176. Get out of debt
Updated July 13, 2009
When I first added this to my to do list a few years ago, it almost made me laugh it seemed so unattainable. But still I had this hope that one day, maybe, I might be debt free.
And now I’m working toward a goal of being debt free by the end of 2009. And that is completely and totally debt free – student loans, car loans, etc. And that will last until I decide to buy a home. But at least that’s ‘good’ debt. I don’t know if I’ll actually make the end of 2009, but it will be close. And I can only imagine the huge sense of relief that’s going to come from not having to pay anybody anything other than my regular monthly expenses.
It was so tempting and so easy to get into debt way over my head. It seemed more satisfying to buy nice furniture and make monthly payments rather than scour Craig’s List for other people’s mismatched discards. I couldn’t pay for my college education up front, I thought I needed a car, I wanted a computer and new clothes, and expensive haircuts. And before I knew it, I was trapped in a situation where I couldn’t quit my job without having another one lined up and couldn’t take even a month off of work. I was tied to these debts, barely able to make enough money to make the minimum payments, and for all intents and purposes, I was an indentured servant. Working, working, and working, sometimes two or three jobs at a time just to make the payments.
I’m so glad I took control and started climbing out of the hole I dug. It was slow going at first, and so discouraging, I thought I’d never be there. But here I am, almost done.