Like many people, I have big dreams. I aspire to accomplish big things, and I look to the future and picture myself on the other side of whatever obstacle I face. But in reality, the way to get to that other side can look so daunting and seemingly endless that I feel discouraged before I even begin. That was how I felt about our finances and our financial situation for a long time. My reality was all I knew. Everyone I knew was struggling to get by, and living paycheck to paycheck. I didn’t know that it was possible for anyone but the wealthiest of people to live a different way. I couldn’t see the potential that was there because of how far away it seemed.
This is why the concept of snowflaking works so well for me. Snowflaking takes that big picture you imagine, and breaks it into tiny steps that can be easily accomplished. Tracking those small steps over time, you get closer and closer to your goal, and as you continue, you pick up momentum. The goal gets easier to imagine as you move slowly but surely towards it, and make progress that you can track and see for yourself.
Yesterday I made another car loan payment, and now we owe a little bit over $1300 on that car. The other car is about to hit 200,000 miles and has been completely paid off for a while now. Ask me 2 years ago, and my goal would be just to keep both cars running long enough to get them both paid off before I had to replace one of them and take on a new car payment. The goal now? Keep both cars running until we save enough to pay cash for our next car. Depending on how soon one of them has to be replaced, we may or may not accomplish that goal. This time. But even if we take on another car loan in the future, we’ll still be closer to making the no debt dream a reality than we were before. Because now we know there is another way.