If You Are In Debt Right Now, It’s Because You Want to Be

This past weekend I had an eye-opening revelation. A revelation that can totally change life course. Here it is. If you are in debt right now, it’s because you want to be. And being that I’m in debt now, that includes me. I know it sounds crazy, but please wait till I tell you how I arrived at this notion before you judge.

Love it or hate it, you are in debt for only one reason.

On Saturday, I was browsing Ebay to get ideas on items I could sell so I could apply more moolah to debt. I’ve got a plan to apply an extra $500 towards debt this month.  I found people selling empty wine bottles and cardboard toilet paper rolls online. And people are actually buying them! This led me to believe three things:

  1. Anyone can make money
  2. There’s no reason why we can’t be rich
  3. And of course, if you are in debt right now, it’s because you want to be

It may seem like I’m over simplifying an involved financial concept with my revelations, but I’m not. We’re just over complicating it.

I know the economy still hasn’t completely bounced back and the unemployment rate is still ridiculously high but that still doesn’t change the fact that any person can make money. Sure it may not be a full-time job, but anyone breathing has the capability to make money. Money that can help sustain a life. Money that can help reach your goals. Money that can help you do more things you love.

And it doesn’t take a lot for you to make money.People are literally selling trash online and making money from it. No, it’s not a lot of money but it’s something. And every little bit helps when you are in debt. So start thinking about things that can help turn a profit. Do you have a knack for making memes? Make that a service you sell on the side – maybe on fiverr.com. Do you have an insane amount of candles you just don’t need anymore? Head to eBay and sell them.  Are you just a natural born sales person or designer? Sounds like you should be selling t-shirts on Teespring like this one. Maybe, you’ve got the gift of the written word. You could be making money from your own blog.  Perhaps you should be making money from your grocery trips with Ibotta.Your possibilities are endless.

And now that you see you could literally make money from selling anything, I hope you realize you could also be wealthy. If you’re not rich yet, it’s because you either don’t want to be rich or you just haven’t found the formula to make it all click yet. Don’t feel bad. I haven’t figured it out either. However, I do know that there’s a million ways to make a million dollars. How do I know? Being a millionaire is all about solving problems. (So I’ve been told) Luckily, there are millions of problems. Want to be a millionaire? Help a million people.

You're only in debt right now because you decided to be. Click To Tweet

Like it or not, you are a product of your decisions. You may not see it that way, but you decided to be in debt, stay in debt and not be a millionaire the moment you decided to go to McDonald’s for lunch instead of cooking yesterday. You made the choice to not work on that credit score the day you chose to take a two hour nap instead of cut coupons for your next big grocery trip. You decided and accepted that living according to a variable interest rate was acceptable when you refused to go through your closet and sell those unworn clothes on Thredup. You made the decisions that led you to the situation you are in this very moment.

I’m not saying your life is full of poor choices and that’s the only reason why you are broke and dealing with debt. This post is certainly not intended to be a shame-on-you expose. I understand life happens. You get sick, the car breaks down and the kids all need school supplies. And fixing the car so you can get to work and paying that copay at the doctor most likely trumps diminishing your debt. I get that. All I’m saying is you made the choice to do that. You chose your priorities at the moment and paying off debt isn’t one of them.  Choosing to do something else is almost like saying you want to stay in debt. There isn’t necessarily anything wrong with that.  Just be aware that you have a choice. You know the saying actions speak louder than words? Well, your actions are speaking loud and clear. You may not want to be in debt right now, but it’s possible you don’t want it badly enough.

Of course, that applies to me as well. If I really wanted to be debt free right now I could be. I could be following the lead of many other prominent bloggers on the web that inspired me with their posts about eating only bread and butter for a year so they could be debt free. Or I could be like those who sold their second car to raise their credit score in two months. But I decided that living at least somewhat comfortably and enjoying life are my priorities right now and that trumps having a $0 balance. I want to travel. I want to enjoy life with my little prince and husband. I want to focus on developing a large savings account so my family is protected in the future. Those are my priorities right now.

Look at your life right now. You’ve decided your priorities and they clearly aren’t found in the midst of your debt. They are on other pressing matters that you may or may not have control over right now. And while, that may seem grim at the moment, realize it’s not. Once you realize that you made the choice to prioritize something you’ll understand there will be hope for you to prioritize debt payoff as well.

Right now the choice may be difficult to make because of extenuating circumstances. It won’t always be that way. But remember, every single time you choose to ignore your ability to take advantage of your hidden talent of knitting blankets or whatever skill, you are choosing to stay in debt. You are choosing to  live in the red because you want to.

If it’s something you truly don’t want, you can change it.  If you believe with everything in you that you don’t want to be in debt, you can make that happen. The choice is yours.

Be honest. Is being debt free really a priority of yours right now? 

TERRIfic Quip: I am a product of my decisions.


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  1. March 15, 2017 / 11:46 am

    Yess!! this hit the nail on the head!
    I think i need to sell some random things too…i’m all about saving that coin

    family of 8 here!

  2. March 15, 2017 / 7:51 pm

    Good post, Terri! I may not agree completely, but I do love that you offer strategies to those who are willing to make a few changes in order to be debt-free. Best wishes on your journey to financial independence!

  3. March 15, 2017 / 9:11 pm

    This was an very inspiring article with practical advice we all can use!

  4. March 16, 2017 / 8:53 am

    You’re right. People re-sell things I’d never think to post, but it works.
    I’d love to do a major declutter and garage sale w/ a friend.

  5. March 16, 2017 / 12:42 pm

    Awesome article and great advice. When your mindset changes about debt, then you do what you can to make changes.

  6. March 16, 2017 / 10:39 pm

    This is a call to action!! I think debt is a very touchy subject for people but it can definitely be paid down with effort and yes i have the same mentality that anyone can get rich

  7. March 17, 2017 / 8:54 am

    Girl I promise I am not in debt because I want to be. I see what you are saying though money is to be made but steps at a time. I am speaking into the universe I will be debt-free soon!

  8. March 17, 2017 / 10:36 am

    “Like it or not, you are a product of your decisions.” Goodness, looks like we are at church this Friday morning! I respond best to straight up real talk, and this is IT. Loved this post and between you and Michelle discussing finances in the group, I love the reminders.

  9. Kita
    March 17, 2017 / 10:37 am

    I don’t even have a credit card. I try to live debt free as much as possible. Teaching my kids that too.

  10. March 17, 2017 / 7:03 pm

    You definitely make the choice to be in debt, even when it comes to dealing with emergencies. But you have to make the choice to get out and not stay in debt or create more debt.

  11. March 17, 2017 / 7:18 pm

    They say that you should have multiple streams of income and I certainly believe that is true. I hadn’t heard about fiver until my co-worker told me about it. What are your plans to get rid of the debt.

  12. March 20, 2017 / 12:51 pm

    I aim to be debt-free sooner rather than later. I know I’m responsible for some of the things that have happened to me financially and I’m getting myself in gear to fix it. Thanks for sharing!

  13. March 20, 2017 / 3:02 pm

    Wow! I can’t believe the things you say people sell! 🙂 . We chose to get rid of our debt once we got serious about traveling, and we have never looked back. Priorities 🙂

  14. March 20, 2017 / 9:49 pm

    Wow!! I never really thought about things like that. There are most def ways to get out of debt and or earn some extra money, if you really want to. Empty wine bottles? Wow!! Let me check this out!

  15. March 20, 2017 / 11:48 pm

    Becoming debt free is a goal of mine for this year. It is a conscious choice that I have to make daily to both increase my income and decrease my spending. This is an attainable goal if I am willing to focus and sacrifice.

  16. March 21, 2017 / 5:20 am

    I had no idea empty wine bottles and toilet rolls were a thing. I need to start setting mine to the side then.

  17. March 21, 2017 / 11:52 am

    Great post! I wrote something similar about budgeting tips. Seeking a secondary income to add more money on those bills is key! Thanks for the post. I will definitely be sharing it to my readers as well.

  18. March 22, 2017 / 10:04 am

    Good tips. I don’t agree with everything but there are always ways we could do better. Sometimes we have to sacrifice more than we do.

  19. March 28, 2017 / 8:52 pm

    Although I don’t agree with every point you made, there are definitely some gems here. We all can make different decisions everyday that can either get us further in debt or further out of debt. Great post!

  20. April 9, 2017 / 12:47 am

    I love earning cash on the side. I use site like Fiverr, Upwork, eBates and much more. I personally want to be debt free.

  21. June 11, 2017 / 7:49 pm

    Beautiful post! You definitely got my mind thinking! Happy weekend.

  22. Kelsey
    October 13, 2017 / 5:32 pm

    Well shoot. You’re right. I’m definitely in debt, and I’m definitely trying to get out of debt, but I am not trying as hard as I could be. I need someone to follow me around and say “do you really think you should be spending that?”… I’m going to pretend it’s you lol. Thanks!!

    • Terri
      October 14, 2017 / 9:22 pm

      This made me laugh. Glad to know I’ll be the little voice inside your head telling you to save your money.