I was visiting someone in the hospital, and this was the last door I passed when exiting the patient area. The last thing a patient sees when leaving the hospital is the financial reality of what they just experienced. Talk about adding insult to injury. Who wants to talk about money when all you want to do is get out of this place and get home? You’re already uncomfortable, talking about your newly acquired debt only makes it worse. 

So let’s talk about debt. Let’s talk about the gargoyle, the vice grip, the pain and humiliation debt brings. At one time or another all of us have had or will face financial challenges. Life is not a merry go round, where you just go around and around…it is more like a roller coaster where there are ups and downs, curves and bends, highs and lows. When you are in a financial crunch, it can feel like the world is plotting against you. It can feel like no matter how you try you will never get free. It can feel like you are worthless, stupid, a loser, and no matter how hard you work you will always be behind. Having been there and survived, I have a word of advice…don’t give debt that power over your world. 

If you find yourself in a financial challenge, you may need to open this door and talk to someone. Sometimes just facing the numeric reality of where you stand is enough to get the ball rolling towards freedom. Sometimes facing reality means cutting up your credit cards and only spending cash. Sometimes it means going without. Sometimes it means moving to a smaller place. Sometimes it means figuring out what you REALLY want, and saving until you can pay in full instead of affording the payments. Sometimes it means a second job, or a better job, or a job. Sometimes it means taking a hard look in the mirror, admitting you stink at managing money and finding out how to learn to do it better. 

No one likes talking about money, especially when they don’t have enough. Let’s remember that money is not evil, it is the LOVE of money that is evil. When we use it instead of letting it use us, we can do amazing things….but amazing doesn’t happen if you don’t know where you stand. I encourage you to take an honest and complete look at your finances to know where you stand, where you are going, and how you are going to get there. Don’t let the last door you see be the one you dread…take back control and spend less. If your outgo exceeds your income, then your upkeep will be your downfall.