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Categories: Inspiration

Debt – It Exists – Don’t Hide From It

 

 

 

It is fantastic to recognize that debt is real and not be afraid of it, face it head on and control it. Debt is a matter of life. It exists and for the most part like death and taxes it cannot be avoided. It is important to get a good and healthy attitude toward debt. If you have debt, admit it exists, don’t from it. After all, unless you take action now,  it will not go away.

Take a look at your finances both professional and personal. If your look reveals any of the following, you have debt:

  • mortgage
  • loan payments
  • credit card bills
  • utility bills
  • association fees
  • membership dues

Now this list of items is not scary at all. These are just regular things that are a part of everyday life at work and at home. When you think about your debt in a calm manner right now, debt is not scary. When you think about your debt when you are being objective, you see that debt really is just a part of everyday life at work and at home.

Don’t hide from your debt. Instead make plans to manage it, to eliminate it where possible and pay it in a timely manner. Where you can avoid spending on credit cards or you can pay off credit card debt before finance charges accrue, do that. When it is possible to be more efficient and make utility costs lower, take those steps. The money you save on each monthly bill can be put to better use elsewhere at work and home. Consolidate memberships and subscriptions so that you are only paying for what you need and actually use. It is always wise to eliminate debt by getting rid of the unnecessary and unwanted.

Debt is a part of everyday life. You manage your everyday life and managing your debt should be seen as a part of everyday life. You will see that when you stop hiding from your debt it will be less stressful, less scary and less of a source of anxiety.  It is your life and your debt. Step up and take control.

 

In conclusion, it is fantastic to recognize that debt is real and not be afraid of it, face it head on and control it.  So, the question for you this fantastic day is what are you doing to take control of your debt?

Janeane Davis

View Comments

  • I can't wait to get out of debt but when one is done and paid another bill comes lol. It sure is part of life and you can't avoid it.

  • It would be so nice to live debt-free life but it is almost impossible.

  • So true - might as well face it head on.

  • Debt can really help once we learn how to use it wisely.

  • We are on our way to paying off our debt; We've been following the Dave Ramsey program, snow-balling our debt, and it's definitely the way to go.

  • Such great advice. Pretending debt doesn't exist just gets you in more trouble!

  • Yep and I can't wait to get out of it! I have 1 more bill to get rid of and then I am debt free! :) Been too long since I've been able to say that and it feels really good to know that by August 2014 this will be TRUE!

  • Getting out of debt is one of the best things we have ever done. I don't think that it needs to be a normal part of life for anyone. If you can't save up and pay for it, you just can't afford it. I don't look at utility bills as debt though....that's more of a bill for actual use that gets paid immediately.

  • We have A LOT of debt here. I have student loans (but have never completed school), old credit card debt from when I was young and dumb, and now a crazy amount of medical bills. It is what it is and it'll get paid off at some point I suppose.

  • Hiding from debt definitely doesn't make it go away, thus your stress won't either. You may as well just dig in and plug away.

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