You Cannot Wish Debt Away

It’s funny, when you spend so much time wishing for something to happen.

Wanting it so badly, it’s all you can think about. And you imagine what life would be like, if you could only accomplish this one goal.

Make this singular change that’ll make everything worth it. Something that will improve your life exponentially, so you can finally enjoy a brighter future.

And then it happens.

But it’s not exactly as you imagined it would be. There’s a twist at the end. A kink in the plan. A curve ball you didn’t see coming.

Or maybe you did see it coming, and chose to ignore it. Ignorance is bliss, isn’t it?

So here is where this is all coming from. The story begins with …Debt.

Balance Transfer Credit Card Decisions

It’s that time of year again.

Time to make some decisions. Time to make a change.

Hike up those big girl panties and do what needs to be done.

Is it a New Year’s resolution? Not really.

Year end performance evaluation and time to ask for a raise? Nope, not exactly.

Time to reign in the calories to work off those extra helpings of figgy pudding and fruitcake? Not so much.

What I’m talking about is wrangling in your finances, for the umpteenth time.

Getting a grip on your outstanding debt, because like it or not, the time has come…

The ticker is no longer counting down … the timer has landed at zero.

There is no more sand falling through the hourglass.

Six months have ended (or 12 or 18), and it’s time to take action.

It’s time for the Balance Transfer Shuffle.

What’s the Balance Transfer Shuffle, you say?

Current Progress to Pay Off Debt

I’ve started and stopped writing this post so many times, it’s unreal. Every time I wanted to post an update, I’d reconsider, thinking enough progress hadn’t been made.

The entire premise of this blog is based on my journey to pay off debt. The ways I’ve been trying to make money on the side, and pursuing side hustles, in order to do that.

But somewhere along the line, your priority list gets a little jumbled. And you forget what it was you were originally setting out to do. Which isn’t to say the debt journey documentation has ended, by any means. In fact, if anything — its existence has extended even further.

Not because we’ve added anything significant to our existing debt. But because we’ve been doing a cr*ppy job (in my opinion) of paying it down successfully.

Here’s an article that was recently published on Debt.com, that I had the opportunity to contribute to. Read below for some financial expert opinions on how to respond to money criticism.

This post first appeared on Debt.com and has been republished with permission.

28 Experts Answer: How Were You Criticized for Managing your Money?