Saying No ~ Being the Bad Guy/Girl


What Part Don’t They Get???

On your journey to get out of debt, the one word you get to say over and over is NO.  No to yourself and NO to those you love. No, we can’t afford that movie right now. No, you will need to wear those shoes a little longer. No, you can’t have McDonalds, yes, NOt even off the $1 menu. 

We become the “bad guy”. We are the one depriving those we care about the little things they crave so much. Why can’t they just see the vision we do? The life without debt. Don’t they realize how many Chicken Nuggets they can have in the future!!??

I feel bad saying NO. It gets old even to myself. I want to say OH HELL YES!! But where would that put us? Even further in debt or worse.

Besides, it was all those “yes”s in the past that created this monster and these “no”s.

Just this morning my other half and I were discussing how they wanted to spend $20 something we really didn’t need. They couldn’t understand why the $20 was such a big deal. Why? Let’s see… $20 is 1/3 of the waterbill, it pays for milk and cereal for a week, $20 will pay off a bill that much faster. Well you get my point. Money is money.. It has value. It accomplishes goals. There is a reason casinos use poker chips. They don’t want you to see it as money. They want you to be emotionally unattached to your money.

Why must I be the only one that “gets” it?

Is there anyone in your life that just doesn’t get it? Is there someone you have to play the “bad guy” role with?





The Debt That Drives Me Nuts!

Stop Laughing at Me!

As I look at my wonderfully, detailed spreadsheet of debts and ponder the journey I am on, there is one debt that just laughs at me.

laugh at me

Don’t get me wrong, they all laugh at me, but this particular one is having belly laughs and rolling on the floor. Not because it was from some stupid tax. Not even because it has been around so long it is now a pet, as Dave says.

No, this debt laughs at me since it is my lowest debt, but in the big picture it is so minor. It is the left over of a 2nd mortgage of a rental home. It is less than $1000 and has a very low interest rate. It laughs at me because it knows I would love to pay it off. (And probably should), however my nerd in me needs every penny to drive down these credit cards that have such a high rate and I can barely keep ahead of the interest.

Maybe it is good to keep him around to just remind me of how silly I was to take out seconds on all these rental homes. He is the poster child for rental stupidity.

So I laugh at you (HA HA HA) you little baby debt. One day you will be gone, for now you just sit there and mock me. I’m ok with it.

Ha Ha yu poor


Someday I will kick your butt to the curb!

Positive yet Bummed…The Impact of Debt

I’m Positive I Will KICK Debt’s Butt!

Yet, I’m Still Bummed About It All

I’m sure it is normal. 

We get so fired up to accomplish a goal and then for a brief moment we stop to look at the hill we still must climb. Then we get bummed. Bummed that we got here in the first place, then bummed that it feels like forever until we get out of it. Deep sigh…..

But dispite my feelings at the moment, I know deep down I will prevail. I just want to have a 60 second pity party for one. Then at one minute and one second I’ll go back to superperson mode and kick some more ass.

So if you don’t mind…

I’m going to go enjoy my last 37 seconds before I must put the cape back on….




How Did I Get Into This Debt Mess?


I guess you are wondering how I got myself into this mess?

 broke the bank

I might as well start way back when. This isn’t some movie that starts at the end and messes with your mind when you blink and you are back 30 years ago. Then again….

I should warn you, I can be a smart ass. Humor is what keeps me sane. You see, I refuse to let my situation define my attitude. I have no doubt that having a positive attitude can help you out of anything.

I’ll give the short version of my mess, then we can explore in more detail as we go.

I had a great job. I made great money. Nothing crazy great but money people would go oh yea. But it wasn’t always that way. I worked my way up in my company, got stock options, let them grow and eventually I bought some rental properties in 2005 thru 2008. I can hear the gasp in audience now.


So yes, most of my 1.8 million of debt is houses. However, I wish that was my only foolishness. No, like many folks, I still have over $200,000 in other debt.   :-O    Yes, OH MY!  Probably even more but we will get to that later.

My point is… my story isn’t much different from yours. Maybe you didn’t buy a bunch of rental homes, but I bet you racked up credit cards, bought a “toy” or two you really didn’t need and maybe even made foolish career choices.

Unlike many folks, I didn’t have school loans. The couple of years I went to school I actually paid for it…. on my credit card, but I paid. LOL.  Seems funny typing that. It would have been cheaper to get a school loan.

But no matter how we got there. We got there. The important point is now I’m trying to get out of it. I try and find inspiration from those winning this war on debt. I quote Dave Ramsey due to the fact that many times over the past year, his radio show has been the sole piece of “hope” I held onto at times. Yes, I was better than I deserved. But, like many things, more on that later.

So the answer to the question – How did I end up in this mess?  Easy, one loan at a time. One stupid decision at a time. And I’m pretty sure there were times when I did them all at the same time.

debt weight

Tomorrow, I’ll take you back to the memories that started this silly ride….The memories I thought I was using to make smart decisions. Turns out, maybe, just maybe…. I over thought it.