I will be getting an extra $760 in the next couple of weeks.
No, I have not been selling any organs on the black market. Nor have I been prostituting myself.
It’s bond money (I believe the term “security deposit” is what you guys use up in the Northern Hemisphere) from the previous apartment.
I’m having a raging internal debate about the money, and if you’ve read this post, you’ll know how weird those can be. The PF blogger in me wants to put ALL of it towards my debt. The suit aficionado says to blow it all on that grey three-piece. The gamer thinks I should blow it all on a new desktop (and more). The car hound thinks I should use it to start a fund to buy a car (which currently does not exist). The idiot thinks a big night out of drinking.
I can tell you this, it’s not going to be the last one.
I’m actually leaning a lot toward flushing it all into my debt.
But the one thing stopping me, is an argument put forth by the idiot in me. It goes like this (and read the below in a Beavis and Butthead voice [if any of you are old enough to remember Beavis and Butthead]):
“Uhh… dude. Like, when are you going to start having fun? I mean seriously. It’s not like you’re getting any younger… You’ve wasted, what, 18 months on paying off debt? And everything shows that you’re not going to be done till the end of this year. You’re letting the best years of your life pass you by, because you’re hell bent on doing something that 90% of people really don’t care about. So take the money and have fun. It only takes a month off your schedule, if you plug the money into your debt. Whats another month? Doooo ittttt! I am Cornholio!”
And it has hit on some truth’s there. I have and am sacrificing a helluva lot to get myself out of this hole I’ve dug. I’ve forsworn a lot of socialising, simply because I can’t afford it. I don’t even remember the last time I bought clothes that wasn’t work related. I don’t have a car. I haven’t bought any new pieces of furniture for the new place. I’ve cut down drastically on the little things, like snacks, eating out, weekly wines.
And now I have to ask myself the question is it worth it?
I mean, essentially yes, I am setting myself up for a better future. Less stress over money. Something I really should’ve started doing a decade ago.
But what if I die tomorrow? I doubt the last thing to go through my head will be “God, I wish I had paid off my debt sooner.”
Should I forego paying off my debt as speedily as possible, for the opportunity to enjoy life’s pleasures? Or do I hold off on life’s pleasure just that little bit longer so as I can have a debt free life more quickly?
I guess it’s the flip side of the credit card. Should you use a credit card now for quick access to your wants and needs, only to have the headache of the purchase show up down the line in your monthly statement?
I know that a healthy balance, would probably be the best solution, but to me (and this is merely my personal view because of my personal circumstances. I actually applaud those that can seem to find that balance) that seems a solution where no one wins. I won’t be able to afford the things I really want in any sort of immediate time frame, and I will be living with debt hanging over my head for a significantly longer period of time. What’s the point of doing that???
So, like anyone who has created a blog, talked about his extremely weird thought-processes, inserted a pole-dancing rabbit gif into a post, and has confessed about his crotch being scalded by hot coffee, I’m putting it to a vote.
This will be a two-party system. Write-in candidates will not be accepted. There are only two choices:
a) Use the money to pay off debt
b) Use the money for fun stuff (for a relative value of “fun”)
Polls are open…..NNNNNNNNNNNNNNNNNNNNNNNNNNNow.