I’m not too sure why her comment triggered this particular neuron to hit that particular synapse, but I know reading her comment made this come up in my head as I was reading it.
So you know who to blame. 😉
Anyways, I was thinking when I (please please please let it happen this decade!) finally become debt free. What happens? I’m not talking about saving vs spending the money I spent on debt repayments. I’m talking about how I’m going to view other people who are in debt. How I’m going to view life through the rose-coloured of not having to worry about credit cards and having significant amounts in my savings AND my emergency fund. I would like to think I wouldn’t be a jerk and look down on those who are in still in debt. Or get so caught up in my savings that I don’t spend a penny and just hoard everything. I’m pretty sure I wouldn’t do that. I hope. Maybe.
And what about relationships?
Could I conceive being with someone who doesn’t have the money sense that I’ve had to come up with over the time I’ve been trying to become debt free? Could I be with a spender? Could I be with someone who would treat a credit card like a long-term loan?
So this post is addressed to the future me who is currently doing a happy dance cause he has no debt… now to set the mood.
First, head on over to YouTube in another tab (or window) on your web browser.
Second, Search “Everybody’s Free (To Wear Sunscreen).
Third, hit play.
Fourth, come back to this tab.
Fifth, read the rest of this post in that voice, while it plays in the background.
Or conversely you can just hit play on the video link attached.
Ready? Lets go future me!
But do it wisely. Play with your budget like you used to while you were in debt. See your savings grow. But don’t be a Scrooge. Please don’t get all high and mighty because you’ve paid off your debt. Understand that people learn at their own pace and sometimes you have to let them make their own financial mistakes before they realise what you did, back when you started this journey. Know that while being debt free is an amazing feeling, people will have to know the feeling of being buried in debt before they understand.
You went through years of singlehood because you were ashamed of your debt, now get out there. Don’t disregard a date because she doesn’t have a plan to pay off her debt. Disregard a date because she says stuff like “But you have nothing on your credit card! So you can buy me pretty things!” Remember to not blow your money on girls, again. Yes giving gifts is a good thing, but don’t get carried away.
Do all the things you wanted to but couldn’t afford. Buy rock climbing equipment and go. Buy scuba equipment and go. Buy a guitar and learn. Get a surfboard and drive to the beach. Buy keyboard and play. Paint. Write. Draw. Do all the things that made you happy before debt made you grow up. It’s time to grow down. Just do it within your means.
Go to all those places you wanted to see. All those places you didn’t even know existed. All those places you didn’t think could possibly exist that actually do. Meet new people. Reconnect with old friends. Have adventures.
Just for the fun of it, with no destination in mind. You’ve probably bought a car, or a motorbike. Or maybe both. Love it. Remember all those times you had to catch public transport, or had to walk 10km cause you blew all your money on a night out and couldn’t afford a cab and didn’t even have a car to sleep off the copious amounts of alcohol you consumed. Don’t drink and drive.
Stop obsessing about money, you’ve succeeded, it’s time to do other things now. Budget for a life now, as well as getting ready for the future, you’ve sacrificed two years of your life (at least) on becoming debt free, please enjoy the rest.
And remember about the sunscreen.
That’s always good advice.