I was reminded at the end of April that sometimes you have to quiet the voices when paying down your debt! Even when you are on track and paying down your debt, the voice of doubt still manages to creep in. You feel like there HAS TO BE something else you could be doing. When your debt total is large like mine, you can get depressed. You begin to feel hopeless. This is why you should have someone you check in with to keep you accountable. I delayed sharing my numbers last month after having a discussion with my financial advisor, Annette. She reminded me that a person paying down debt always has a list of options. Read on for that list.
Patience is a bitch when you’re paying down debt! I think of how many clients I told, “It took a while to rack it up and it’ll take even longer to pay it off… but it will! You have to stay positive!” I remember saying that to myself again last April. If you’ll remember I mentioned in Debt Keeps Me Up At Night that I was ready to finally share my journey on paying down debt. I had been ashamed to do so prior but I was seeing the light again and my debt was going down! …Then $&*5 hit the fan. It began to rain unexpected financial surprises. I was prepared for NONE of them! Read on to see what has changed over the past year!
My debt keeps me up most nights. It wasn’t always that way though. It seems like forever ago, but I used to be positive about my debt. I know what you’re thinking. How can I say positive AND debt in the same sentence? I assure you it’s possible to feel positive about your debt. I did it for years. I got myself on a debt elimination diet. It was going down! Yay! I could see the light at the end of the tunnel. But then a couple of unexpected expenses came up AT THE SAME TIME and the light began to dim. Then the light disappeared completely and I tried not to panic. What the FROG is touching my leg?!!! I really am afraid of the dark. Are you struggling to stay positive about your debt? I’ve been feeling overwhelmed for the past 14 months until I remembered my financial services training last week.