Beating a Dead Horse

It’s really unfortunate that I have multiply personalities because they do not make decision-making very easy. A little over two months ago I wrote this. I have now found my way back to this predicament. I was looking through pictures and my heart cried a little. I decided then I wasn’t going to deprive myself of the one, crazy ridiculously expensive, thing I love so much. I have one life to live and I want to make sure I can say I did it, for the most part, without regret. Then I get to the checkout screen for the ticket and all the little minions that were telling me this was a good idea scatter. I’m left with the lone guy in the back corner saying I don’t think this is a good idea. WTF minions! I thought we were in this together! Ugh! Now I’m left in the backyard chasing my own tail round and round and round. Each time I think I’ve reached a decision my brain pulls me in the other direction. I told the bf I think I’m having such a difficult time with this because I seriously know what I should do but I don’t want to accept it. I did a list of pros and cons. That didn’t help because over the years I’ve grown and perfected the technique of justifying. I can justify anything. I sit here and look at my list and can justify each pro to each con and vice versa. It’s madness. I’m going to list all my reasons for going and for not going. PLEASE feel free to shed some sane light on my situation because right now insanity is taking over.

GOING (YAY)

Reason#1 – I am paying for it in cash! This will not hinder my debt nor with it affect the amount I’m paying towards my debt. This is money I have tucked away for a rainy day or if I need to flee the country very fast.

Reason #2 – I’m getting to the age where life is changing, aka growing up. I’m going to have more responsibilities and obligations so I don’t know when or if I would be able to go again. Timing is everything. I could very well be able to go the year after that, I just don’t know, and that’s the scary thing. What if something happens and I can’t. Then I will have missed my opportunity and I will wither away and die. Most likely not but I will have the “if only” factor.

Reason #3 – This is far enough in advance where I could save enough to be able to pay for the whole trip credit free, except when I buy my oceanfront bungalow. Kidding, kind of.

NOT GOING (BOO)

Reason #1 – I would be using all 10 days of my allotted vacation time for 2013. We ALL know how I am with my days. Not.a.good.thing

Reason #2 – I’m in debt. I would probably, and by probably I mean most likely, need to buy “things” because I have an illness. I’m not even going to kind of pretend I wouldn’t because I know me and you know me and it will happen.

Reason #3 – I’m in debt. If I am so willing to tap into my savings to buy this ticket then why wouldn’t I take that money and apply it towards my debt. Rhetorical question, I know why, because that’s not fun! This is the only piece of value I have to my name that is actually MY MONEY. Not credit, or a loan, its actual moo-la.

Now I’m sick of listing reasons and I’m discouraged. I’m huffing and puffing and don’t know what to do. These are the moments in life where I ask myself why couldn’t just be a billionaire.

 

May the force be with you

D

IOU

 

Insert educated, kind of funny, post here.

D

Smelling the Roses

We’ve all heard the saying, “stop and smell the roses.” The meaning being, slow down and take the time to enjoy your surroundings. Generally this is applied to hard workers and since we’ve already established I’m not a hard worker, one might think this couldn’t apply to me. Correction, I’m a hard worker, just not THAT, hard of a worker. Make sense? Probably not, but we’re going to carrying on anyways. Seeing as I’m not an expert at working hard yet, I’m going to apply this quote to debt. Yay! If you spend your life living pay check to pay check, stressing about your bills, worrying about money, you’re going to miss life. Unfortunately, what I’m about to say is going to make me a hypocrite, but I need to say it.

Next time you find yourself about to use your credit card or buy something you cannot afford, STOP, and SMELL THE ROSES. In this instance it’s not about embracing the life around you but more so directed to what you are about to do. Really concentrate and take a moment to reflect on your actions. How is this going to affect your debt? How is this going to make you feel? Is this a necessity? Will this fix any of your current problems? How is this going to help you in the long run? If even one of your answers is no or has a negative response you should NOT being make that purchase. You do yourself no favors by lying or trying to justify the purchase either.

After you’ve walked away, try to focus on the positives. How much closer are you to paying off your debt now? How much more can apply to the bottom line? How are you feeling? I admit the feeling part is difficult, because when you’ve already tricked yourself into thinking you needed that particular item, walking away can be hard, but you’re a stronger person for doing so.

As a reward to ourselves for taking a step towards changing our lives were going to start a savings-on-a-whim box. All you need is some type of box, or even piggy bank, just make sure it something that you can glue, staple, tape, or weld shut. You can have zero access to the contents inside. Also, make sure it’s not clear.  When you arrive back home, put five or ten percent of what you were just about to spend in your savings-on-a-whim box.  It might sound silly, but seriously do this, money adds up over time. Especially when left untouched.  For anyone who is thinking, “Well, if I didn’t have the money to buy what I wanted, why would I have the money to put in a stupid box?” Here are some fast figures for you, 5% of $20 is a $1, and 10% of $50 is $5. You can see what I mean.  These figures aren’t going to cause you to go into further debt, but they will be a nice treat  for you when you get to open your box. Want to know when you get to open your box? Never! Just kidding, when you’re debt free! As long as you are dedicated and don’t cheat yourself you should have a pretty penny waiting for you at the finish line and all because you stopped to smell the roses.

Beautiful roses supplied by the BF ❤

 

One day at a time

D

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