“One way to get the most out of life is to look upon it as an adventure.”
(Photo credit: Flickr)
Life is an adventure, yet sometimes, if we are not careful, our life can become a bad traffic jam, void of all fun adventures, perhaps turning into a real long nightmare.
For example, a bad habit to have, I know, I used to have it, is spending money you do not have. Yep, that is right…you want it all…you think you have the unlimited cash flow to have it all…but in reality, you have a simple plastic card. That little plastic credit card, if you view it as an unlimited cash supply from your best bud, Bill Gates (Microsoft’s Superman), then, my friend, your reality is not from this planet. Unless you are Bill Gates, and/or he is your best bud, then, hey, you can skip out and move on to the next post.
It is plain and simple. If you want to get the most out of life, also experience great adventures, you have to be living life outside the Debt-Hole.
Simple. How are you going to wake up each day, excited and ready to tackle whatever is on your agenda if you have a zillion creditors hounding you via the phone, the internet, the snail mail the, well, anywhere they can find you, just so they can get the money you
stole borrowed from them?
You cannot until you jump back into your car and drive until you return the cash stash you thought was yours.
If you find yourself in this situation, know that there are folks waiting and ready to help you climb out of your bad financial debt-hole. Depending on how deep you dug your hole, and yes, it may take a long time if you dug down deep, you can get out and begin the smooth drive onto the road of good life adventures.
When looking for financial help, I looked for a simple approach. There is nothing like having money terminology and formulas thrown at you so you drive immediately to the nearest store–Wal-Mart works nicely– and start impulse shopping because you failed to get that Master’s degree in Finance!
So, when my church offered the Dave Ramsey, Financial Peace University classes, it was the ‘tow truck’ I needed to get myself out of the big messy Debt-Hole.
Check out this simple summary of Dave’s approach to getting debt-free:
- Create a budget
- Take baby steps to start an emergency fund and start to pay off all personal debt except your home debt
- More baby steps to add a retirement, college fund and paying off your house off early
- A bit more baby steps to K.I.S.S (Keep It Simple, Stupid) investing
- *OUCH* cut up all your credit cards…
Every day, time travels on. We can choose to spend each of these moments incredibly enjoying life’s happiness or chained to our own unchecked string of bad financial habits; thus, putting up road blocks on all good adventures waiting to be discovered.
from a wise unknown writer:
Have LESS. Do MORE. Be MORE.
Is there a financial approach/people you follow that have kept your life debt-free and blessed with fun adventures?
Please, drive yourself over to This Man’s Journey and enjoy another Weekly Image Of Life: Adventure.