Trying to get out of debt? Surrounded by bills? Creditors calling you at just about every waking hour of the day? You’re not alone at all. You will always have somebody that thinks that you can’t make it out of debt. We’re not going to lie to you — debt can be something that just about sucks the life out of you. It’s something that can make you feel depressed. The truth is that you’re going to have to think carefully about what you want. When you have a lot of people around you trying to tell you what to do, you need to step back and push these people out. They probably mean well, but it’s your debt elimination journey, not theirs.
The truth about getting rid of debt is that you’re going to have to fight hard. You’re going to have to push. You’re going to have to work very, very hard in order to tie everything together. It’s going to be up to you to really figure out where you want to go, how you want to get there, and what you ultimately want out of the lifestyle that you’ve created for yourself. Do you want to be able to stay home with your children? This is a goal that’s worth pursuing. This is a goal that’s worth walking towards. It doesn’t matter how fast you walk to your goal. That’s the problem that newcomers to debt elimination come to first. They think that if they aren’t clearing away all of their debts within a year, that they’re failures. That’s not true at all — it took more than just one year to put on the debt it’s going to take more than a year to take off the debt. High interest means that you’re going to have to paned a lot more time taking away the debt than if you had lower balances. Could you possibly negotiate with the credit card companies and other creditors?
If they feel that you’re a risk for bankruptcy, you might be surprised at how willing they are to work things out with you. You might be surprised to find out that things really aren’t as bleak as you might imagine. Yes, there are plenty of newspaper articles out there about people who cannot pay their bills, about people who are unemployed, about people that have a stack of bills that they wish they could pay. For whenever you start getting down, just remember that your situation can always get worse. If you have a job and incoming coming in, then you just need to tighten your belt for a while.
But getting out of debt isn’t the only type of financial dream that we have. Maybe you want to start a business someday. People think that this is impossible until all of the lights are green and all of the stars are aligned. The truth of the matter is that you can start a business at just about every time. There’s a whole world of information online. There’s plenty of groups offline that are devoted to running a company. You don’t have to start some big business that needs thousands and thousands of dollars worth of capital. You need to start a business that really just needs you to give it a little time every week. Can you outsource and get people working in your business so you don’t have to? It’s going to be up to you.
What about switching jobs? If you have always wanted to work in a different field that you find rewarding, then this is also a financial goal. You need to make sure that the new field can still support your bills and all of the other things that you want to save up for.
Speaking of savings, have you started an emergency savings account? That’s something that a lot of people don’t really think about. Generally speaking, most of the “emergencies” that come up in life are really just things that people knew were coming, but they just didn’t plan for. Car registration is considered by many to be an emergency, but it’s something that you really do know about. Why would it be an emergency? It happens at the same time every year! You need to make sure that you’re not skipping over these things in any way, shape, or form.
You need to make sure that you’re focusing on the bigger picture. You have to make sure that you’re really focused on the road ahead of you. There’s a time and a place to have each financial dream come true. How bad do you want it? We’re not trying to be harsh, but you can’t “half step” on your own financial dreams. This is where people start trying to distract you and pull you away from what really needs to be done. That’s a good recipe for disaster. You have to make sure that you are avoiding this as much as possible. You have to make sure that you’re focusing on a life that is going to be incredible. Sure, your friends might want to distract you or tell you that you can’t reach your goals. That’s not something that you want to deal with if you don’t honestly have to. You have to make sure that you’re going to be taking matters into your own hands.
We’re not going to lie to you at all — taking steps for your own life can really be difficult. You have to make sure that you’re going to be working as hard as you can to really get things off the ground. Don’t give up on what matters to you. You never know how close you could get to your goals until you actually take steps in that direction. Don’t be surprised to see a whole new world of support once people really start see that you’re reaching your goals. Remember that nothing is impossible if we really set our minds to it!