|Home laid organic eggs from our hens - a true delight.|
I read all over the interwebs ways to pay off debt....5 steps, 7 steps, 1 easy way, 10 months to be debt-free....and so on and so forth. I think many of these (as excellent as they are) are often too simplistic and do not deal with the real cause of the consumer debt.
The fundamental reason folk go into consumer debt is for emotional reasons.
|I'm going to have to start giving|
away SCOBY's. Too many!
One of the most powerful activities that we can do is to sit down with a pencil and the back of an envelope and scribble down what we were FEELING when we took out consumer debt. Scribble, scribble on the envelope...."Took out loan on red car because I thought I deserved a brand new car to match my new executive job. I wanted to feel proud and that I had in some way succeeded".......scribble, scribble on the envelope...."Took out the platinum Visa card because all the execs at work talk about their credit cards and I am behind in bills so this will get us up to date on bills and with my new job I can pay this back in a month easily. This new credit card made me feel successful and also got rid of the embarrassing fear of being behind in my bills"....and so on and so forth. Go back over what you have scribble down and underline the 'feeling' or 'emotion' words and trigger phrases.
|Pantry all tidy now - phew!|
Do this for each single consumer credit/loan - it gets the truth of the emotional feeling that initially drove each consumer debt purchase out of our subconscious and onto paper. Once this activity is completed, you can throw the piece of paper away as the actual act of thinking it through and manifesting it in writing is enough to create emotional self-awareness about each debt....it will be clear in your mind now, so no need to keep the scribblings on the back of the envelope. You will not forget what you have written.
|Next job - sorting out the plastics.|
I hate plastics and am looking at
slowly replacing them with.........
|.....glass. much nicer and it will last|
Now you can proceed with whatever debt reduction plan you choose. My favourite is the one I wrote about HERE which incorporates an old debt reduction method along with my own two extra inclusions of a starting leverage of $5 and MOST IMPORTANTLY the power of post-debt payment continuation which most debt reduction ideas never mention.
|FRUGAL TIP: Use the sweet juice|
from canned fruits as cordial.
Just add water - yummo.
We go into debt for emotional reasons and thus getting out of debt is not about battling the physical debt. Rather, it is about declaring war on the emotions that caused and perpetrated the debt in our lives.
|The tomatoes flourishing in|
their self watering box.
Take care folks - stay nice.
|We have this tongue-in-cheek plaque up in our kitchen|