One of the most important steps to getting out of debt is having the right mindset. I recently heard on the radio that people would rather tell their weight than talk about their finances. This doesn't surprise me because talking about how much debt your in doesn't really make anyone feel good about themselves. Debt is a topic people feel very judged about (at least I have). One of the many hurdles I've had to overcome is caring about what other people think of our financial situation. We have $100,000.00 in student loan debt, BAM, its out there!! :) It's freeing just saying that, but what feels even better is actually doing something about it! Having support from our friends and family has made such a big impact on our ability to get in the right mindset. A lot of our friends are in the same predicament we are financially and talking about it has really brought us closer together. Communication really is the key in building all relationships and theres just something about being honest and vulnerable that can change your life forever. I feel like Facebook and other social networking sites often hide our true story. We can post pictures and show all the wonderful things happening in our lives and hide the true struggles from day to day. This makes others think our life is perfect; when in fact, most of us are going through the same thing. Pick your friends wisely because they can make all the difference in you getting out of debt. If you hangout with people who are frugal and money conscience, I think it's easier to be the same way. Just like it's easier to spend money when you hangout with people who like to buy stuff all the time.
Right now, we are in the early stages of trying to get our house fixed up to sale. We still have some work that needs to be completed before we can list our house and I'm ready to get this part over with. We are also trying to figure out what we should sale/keep from our house. My husband really wants to have an estate sale and get rid of everything so we can contribute that money to our debt and pay it off quicker but I have mixed emotions. Some days I want to sale it all but other days I think about how expensive it would be to start over. Plus, I might be a little attached to some of the crap we have acquired over the years!
To all the people out there trying to get out of debt, stay strong! Hangout with people who support and encourage you to fight the good fight! I'll leave you with this quote Dave Ramsey posted on his Facebook page. "Success requires sacrifice. The first step to a good plan is deciding what you are willing to give up."
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