What about all of the FUN debt gave you?

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That is going to sound bizarre or silly, however isn’t *going into* debt a lot enjoyable???! Like, don’t we get pleasure from spending cash on stuff we love – even when it’s solely within the second?

As finance nerds we are inclined to deal with how horrible debt is and the way a lot we hate it and so forth and so forth, however I believe we neglect simply thrilling it may be to purchase stuff too 🙂

I imply, why else would folks willingly go into debt in the event that they weren’t getting one thing superior in return? Have you learnt anybody who goes out of their method to purchase stuff they HATE?

In fact not. That might be ridiculous.

However that’s how we’ve been groomed to suppose now! That each one debt is silly and we didn’t get something good out of it!

I used to be reminded of this once I was chatting with The Debt Free Guys lately and so they requested what essentially the most bank card debt folks ever had was… Theirs was $51,000 (!!) and I responded that my max was in all probability across the $2,000 vary. They mentioned how they want they’d been “extra like me” rising up, and I remarked that they in all probability had a $hit ton extra enjoyable than I did! Lol…

And I assure that’s at the very least 95% true. Particularly on the $50,000 mark!!

Have you learnt how a lot enjoyable hassle you may get into with $50k???! All of the whereas I used to be watching my pennies and scraping by as a poor school scholar daily?! 

That’s to not say I didn’t have any enjoyable in these days, or that I want I might have switched locations with them – I wouldn’t – however simply that, once more, we are inclined to solely consider the *unhealthy* stuff regarding debt and not one of the perks we as soon as acquired from it.

Even my smaller $2,000 debt included tons of nice stuff like beers in town, meals out, highway journeys and even a part of a model new iBook I acquired straight out of faculty! Had I needed to pay with money on the time I wouldn’t have been in a position to get pleasure from such candy luxuries. And that wouldn’t have made life pleasant, particularly at the moment in life while you’re simply beginning out within the working world and not using a penny to your identify…

So whereas debt is “unhealthy” and most of us hate moving into it, the very fact nonetheless stays that at one level we did very a lot get pleasure from indulging in it or else we wouldn’t have executed it within the first place. Emergencies and particular circumstances apart, in fact. We’re dumb as people, however not that dumb!

I’m unsure why I selected to argue this level immediately, haha, however perhaps it’ll assist any of you feeling down on your self as if Previous You was an enormous fool and you would like you might have executed issues in a different way 🙂

Possibly you’ll have understanding what you recognize now, however be glad you awoke while you did and check out to not be so harsh with your self. You had an excellent motive again then to tackle the debt, even in the event you don’t agree with it now!

And the way cool that we even have the *choice* to go after issues we wish without having the cash for it?! Positive it will get us into hassle most of the time, however that’s on *US* for misusing it, not the software itself. Just like cash it’s the consumer that determines whether or not good or unhealthy is completed with it, which additionally means WE HAVE ALL THE POWER within the relationship! And that’s fairly unhealthy ass, proper?!

So get empowered once more and acknowledge the debt for what it’s, but additionally keep in mind that at one time you had been an ideal match for one another and thank it for serving its objective 💪

You’re smarter now and can finally say goodbye eternally, however for now you’re nonetheless in a dedicated relationship so do your finest to co-exist till it’s lastly wiped away… Like your exes, you positive had some nice occasions collectively!

Yours in debt-freedom-but-not-fun-freedom,

j. money signature

PS: I do know that each one debt isn’t “enjoyable” debt and generally you need to pay the payments and there are emergencies and yada yada yada – that’s not the debt I’m speaking about right here. I’m speaking about all of the sorts that gave you “stuff” or experiences in return for slapping ’em on the cardboard… It’s not like we acquired nothing in return for it!

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