Have you won at everything you’ve ever done? If so I would absolutely love to meet you, because I can say that I certainly have not.
Blogging is more fun when there is progress, when things are going well and when we are riding high’s of life. Aren’t all these the same things that we try to post to social media to give off the rosy facade that our life is nearly perfect and that we are always “moving forward, growing, winning”? Eh, let’s be real. Life usually deals us way more defeats than victories. It is perhaps the way in which we absorb these defeats that say more about who we are than when we win. If you were reading to see how we would rise up and dash debt to the ground in one fell swoop, well, sorry to disappoint.
We were cruising right along for the past few months, even the past year has been pretty steadily awesome. Making consistent debt payments, watching the total loan balance continue to fall, and getting more excited at the thought that in the next year or two we would be debt free. I’ll admit, I was starting to feel pretty good about the progress we had made. But life often has different plans for us.
I got fed up with my second job delivering pizzas, so I stepped down from that position. Around that same time, Jos lost a bunch of her work on her aging MacBook. I did my best to recover the files that I could, but there were many files and folders that simply could not be recovered. I felt responsible for this loss, being the in house IT pro, so I decided it necessary to go out and buy a $250 file backup solution and get that installed. Not cheap. Meanwhile, the old laptop continued its dysfunctional ways, and we got to the point that we decided to get a new(er) laptop for Jos. $340 in total on a 2013 MacBook Air that had a battery that needed replacing. So now she has a little bit better computer to get through the remainder of graduate school, comps, and eventually the Praxis. If that was not enough, the driver’s side mirror broke on our Prius, so I had to order that $40 replacement and had a weekend project swapping out the broken one yesterday. That I actually enjoyed.
Beyond all of this, we are staring down our 6-month car insurance premium coming due later this month, and we have a number of weddings we are both standing up for and attending, all of which will require travel expenses and wedding gifts. We likely have a move coming up in the next few months. All things we are overjoyed to do, but all of which will cost extra money.
Okay, why am I sharing all of this? Not very glamorous is it? Well, if you set out to do anything worth doing in life, you will fail. And then you will probably fail again. And then again, at least a few more times. I guess I am wanting to bring the human aspect to this topic of Figuring Out Finances. We are not figuring it out on our first try. There must be trial and error. Hopefully, this encourages you if you have thought about getting out of debt but have felt like it is an impossible task and so far you have only thrown up your hands in disgust and declared that you’ll “figure that stuff out later.” I would encourage you to start working on it today! Go ahead and fail, it beats doing nothing.
Defeat is not fun or easy. But it is necessary.
We will work in the next few weeks to get our emergency fund boosted back to it’s $1,000 level. From there we will again begin making steady payments as we are able to on the remaining debt we have. If you’d like to see where we are at in our journey, click here.
For those of you who have reached out regarding articles you enjoyed or topics this blog has helped you with, thank you! Hearing how this blog positively impacts others is likely my greatest joy in writing, so thank you!