Fortune Favors The Financially Wise
I hate to be the bearer of bad news, but the reality is, in 2015 you will fall into one of these three categories…
Have you made excuses for your debt? You find something reasonable – even justifiable – to charge. So instead of seeking options, you make the easy choice…easy because society views it as “just part of life!”
Today, let’s talk about your debt… and where it all started. If you’re like most folks, it began innocently enough, probably with a low credit line that blossomed into an overwhelming burden. Now it causes stress, relationship troubles, sleepless nights and generally moves you further and further away from the life of your dreams. Because now, you are a slave to that debt, instead of doing what you really want to do.
Recently I spoke with a caller, Alicia, on our TV/radio show. Currently, she is crippled by debt and feels it’s unfair she put herself and her family in this position. So I asked, “Everyone’s story starts differently, but do you remember making your very first purchase using debt?”
“The first time? Well, when I had my daughter 16 years ago, I used my first credit card… to buy baby stuff we needed.” Alicia started her debt to buy things for her child, which sounds like an excusable reason. She needed a crib! She needed a stroller. And if you’re a parent, you’ve probably experienced something similar. Even if someone gave you a baby shower, missing necessities often remain.
The important thing to see is, while using credit was understandable, it still isn’t excusable. No one made Alicia buy a brand new crib, from a high-end baby boutique. Garage sales, secondhand stores and even family or friends could have provided a perfectly suitable solution, preventing the start of Alicia’s financial problems.
There IS an alternative to debt. It may not be the most fun solution or bright, shiny and new, but I promise you, hand-me-down baby stuff is going to feel a lot better in the long run than a growing credit card bill.
Have you been making excuses for your debt? Maybe you aren’t a parent yet, but I guarantee nearly every financial problem starts here. You find something that seems reasonable – genuinely justifiable – to charge. So instead of seeking other options, you make the easy choice… easy because society views it as “acceptable” or “just part of life!”
Instead of choosing debt, today let’s agree to seek solutions. You don’t have to accept debt as just an inevitable part of life. You don’t have to go to bed weighed down by stress anymore! Let me know your thoughts on today’s message and remember to spread the word. Let’s change society’s view on debt, starting within your own circle of influence.
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In great faith,
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