I am pragmatic. I decide to talk about positive things. I believe we either talk and act ourselves in to or out of a happy life. However I don’t care whether the glass is half full or half empty. I know how much water is in the glass, I know what I am working with on any given topic.
So the benefit, or even blessing, of being unshackled by debt during a period of potential financial constraint is a superb comfort and reassurance.
Like everyone, I have income and expenditure. Thankfully I was blessed with the moxy and ability to get out from under a serious financial burden in the tens of thousands of pounds range and reset the financial accounts to “we don’t have a lot but we’ve paid our taxes for the benefit of the country and what we do have is our own” as we paid down every debt we’d been left with.
When guaranteed income is in jeopardy we start to look closer at the expenditure side of the spreadsheet. It has been one of the few delights recently that unlike previous times either house or income is at risk, this time I am not carrying a negative financial legacy like an albatross around my neck.
I have to find a way to generate revenue to cover our modest living expenses but I don’t have the worry of paying for things on instalments, I don’t have the worry of credit card debt, I don’t have the worry of consumer spending spread conveniently on an unreasonable monthly payment at an exorbitant APR. I just have to make sure that enough comes in for Mortgage, utilities and groceries. That’s it. That is far less of an ask than carrying the worry of paying for something I bought and used up two years ago.
Being in this fortunate situation brings a degree of peace, a calmer disposition than I would otherwise have had.
It also frees me up to be flexible with regard to the future opportunities I can pursue. I don’t have to find a position to cover Bills and Debts, I just have to find something to cover Bills and anything else is a bonus. That is a freedom for which it would be hard to quantify the optimism and relief felt at the moment.
I am the head of my household and the responsibility sits on my shoulders. Until you’ve been the head of the household you have no idea what so ever how heavily that mantle sits on the shoulders. It is completely and utterly different to being the 2nd earner. Head of the household is like being an Adult Plus. Nobody is going to bail you out, you are it. The buck stops at your feet. The responsibility for keeping everyone in your abode alive, sheltered and fed sits with you. Once you get the hang of it, it starts to sit easier a little but the knowledge in the back of your mind never actually quite goes away.
If I could wish for you one thing, it would be the freedom of being bad debt free. It is worth the blood, sweat and tears, the overtime, the going without for a while, the humble birthday and holiday presents, the dinners in rather than takeaway or restaurants, the forsaking holidays in the sun or snow to reach the goal of being without that burden.
Bad times come for such are a part of earth life and mortality. To not be shackled to yesterdays worries so that we can fully face todays challenges is a beautiful gift.