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Calling All Debtors!

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A comment today from a new reader prompted me to write this quick post to those readers who are reading but, in some ways, still hiding.  As I told that reader–these are the people I really want to reach with my writing.  These unknown people are exactly the reason I agreed to be the blogger for this blog.  I have learned and will learn so much from the veterans of debt reduction and absolutely value their input—but in those moments that I am embarrassed by my mess, it is those silent readers that get me back to the keyboard.

In the darkest days of my debt, I can still remember myself waking in the middle of the night and walking to the bathroom.  Each and every time I did this in the middle of the night, I thought it was because I was aging and my bladder was too!  HA!  And each and every time I did this in the middle of the night, I remember clearly thinking this thought:  “I am $60,000 in credit card debt and no other living soul knows that…how will I EVER pay that back?”  I’d go back to bed and toss and turn and eventually fall asleep only to wake in the morning and often go create more debt!

And so the purpose of this post is to share that until I allowed light in on the darkness of my debt—it was not going to go away.  For me that moment did not come until I bared my soul to a trusted friend and (thankfully) was met with compassion and understanding.  Until that point, I was keeping up a facade on so many fronts and that is so tiring.  Now, did I expect to move to such a public forum so quickly?  Of course not!  But what a gift it has been to share the debt secrets in such a public way!  It is the only reason I am making the progress I am making–without a doubt.

Give the idea of sharing with one trusted confidant some thought–and prayer if you are so inclined–the ripple effect  will be beyond your wildest dreams.  Promise.

Fighting off the urge for retail therapy…

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Some people are stress eaters.  I’m a stress shopper.  Even more dangerous is I like to say bargain shopping makes it okay.  I can drop some serious cash on crap at Marshall’s!  As I said in a reply to a comment, I am trying to remember that every dollar I spend takes away from our debt payoff goal.  I know the stress of the work situation leads to stress at home which (in the past) led to the cash register at Marshall’s.  I also caught myself using back-to-school as an excuse for retail therapy.

Have you ever seen the stress shopper I describe out at the stores?  I am getting better at spotting them based on their purchases and bc I see myself in the?  That random housewares stuff is a hotbed of random crap to spend money on…but I LOVE it!  I can’t say clothing is a huge area of  spending for me and as I recently did a wardrobe inventory…I realized it may be time to address that area but not this week!  And not by going into Marshall’s in a spending mood!