Hello debt fighters and dreamers! Today’s dear debt letter comes from Beth. Beth is a 65 -year-old retired teacher from Youngstown, Ohio, aspiring to pay off her indebtednes by 2020( if not sooner ). She is a widow that learned fund doesn’t last forever.
I’m done playing victim to you! You have controlled my money and my liberty most of my adult life and I will not let you control any more of my fund or my freedom!
I’ve fought with you through my first wedding, being a single parent, and I ultimately violated away from you with my second, financially-savvy husband. We were in rough shape in the beginning, and we use you too much.
It was the only way to survive raising our blended family. Then we were able to buy a home, and I felt we were in good shape financially.
Student loans were paid off, credit card indebtednes was paid off, we paid off a loan for our backyard improvements in a new home, and we traveled to see our children and grandchildren.
Yes, life was appearing up. I was making good money as a teacher, and my husband was making good money in the business world. So, we were rid of you once and for all!
Then, the unexpected happened. My husband was diagnosed with cancer and it was already metastasized. During the eight month ago he passed, he made sure the paperwork was in order.
He showed me how to maintain my lifestyle with the decreased income his death would bring. He showed me how to change light bulbs, light a furnace in the garage, and so many things he knew I needed to learn. I inherited the bill-paying-debt-reducing spreadsheet, too, but I didn’t follow it.
I was blessed with life insurance and I wanted to share that with my family in any way that I could. I traveled to visit them, I treated them to material things that don’t mean anything, and I expended that money trying to find the “happy” again that I had with my husband. It didn’t work.
I traveled to Arizona to be with his sister and her husband, and I bought a condo as major investments. It was too soon( nine months after my husband passed ), but because I paid you in full every month from my nest egg, I had excellent credit and got a home loan without a problem! Debt, I was even able to furnish my condo thanks to you.
Then, sitting at home 5 months later, I believed I required a condo just for me, so I bought another condo across the street from the first condo. The HOA fees and yearly community fees were outrageous, and I had two condos to pay for. The rental income didn’t cover much, so I went through more of my nest egg with the monthly condo expenses.
I was living in Ohio, but I traveled to Arizona a lot. I told myself that the flights into Las Vegas were cheaper, so I expended some time and a lot of fund in Las Vegas before driving to Arizona to spend time at my “Me-Condo.”
I was very popular with the casinoes in both Vegas and Arizona, gambling, charging and cash-advancing with every journey. It turns out it was YOUR “happy” I was living.
I never discovered my “happy, ” but my journey to find it ended earlier this year. I operated out of fund and now I live paycheck to paycheck. I charge things to maintain my lifestyle for a while, then I realise it was just spiraling out of control. I need to change the style I think about fund and you, Debt.
I started looking on Pinterest and found out what a “side hustle” was so I joined Proofreadanywhere.com. I started such courses, and I love to proofread. I also like to write, so when I followed a connect on Proofreadanywhere.com it resulted me to Contena, which is a writing/ publishing course. I joined that, too. I purchased the suggested volumes, joined the organizations, and started the coursework.
But the funny thing is that you, Debt, got in the way again! I can’t focus on my coursework for either class because you get ALL my attention!
On another connect, I read about Own Your Money and Money Makers Academy( MMA ). I joined MMA because I supposed, “This is the program I require! ” I need to find out how to get you off my back for good!
Do you consider a pattern here? I am charging the fees for these classes, so I can learn how to make more money to ditch you, Debt. Well, MMA is doing one thing in the very beginning of the program to cause a mindset change about you.
They are teaching me how to put YOU, Debt, on paper, own you, then just do the numbers to fix it and get rid of you. No emotional attachment to YOU. This is just what I need to get you OUT of my life forever.
My goal is to be free of you( without charging) more in the next 18 months. I’ll be done with you for good and you won’t get me back again. My scheme is to “own my money” and not give you a penny!
So, goodbye, Debt! I’d say it was nice knowing you, but it hasn’t been nice at all. I will continue to declare my anti-Debt stance to anyone I gratify so that one day, you will be no more. That is my prayer and the promise I’m constructing to myself today.
Sincerely never yours again, Beth
Read more: deardebt.com