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.
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:
- Anyone can make money
- There’s no reason why we can’t be rich
- 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.