Things are good for us right now, there is no denying that. We’ve paid off an enormous amount of debt in the past year, I’ve been able to turn some of my hobbies and talents into viable sources of income, and our family is in a much less precarious position than it was when I started this blog a year ago June.
But as we come to a final decision of disability insurance, and I look at the very real possibility of an electrical upgrade sooner rather than later, and also start making calls for someone to come look at the porch post we discovered had a gutter leaking onto it and has begun to rot, I again, in my head, bemoan the fact that we still have debt hanging over our head that makes every monetary decision we make just a little more complicated. It isn’t that we haven’t learned from our past mistakes – we definitely have. I actually understand now the importance of saving money just because versus the idea of always having a plan for the money. I know that we need to hope for the best but prepare for the worst. But the reality of our remaining debt (including our mortgage, which I don’t even touch on here) makes our financial position just a little more precarious than we’d like, and also slows down our preparation for what might be. It just takes a lot longer to fix the situation than it took to learn the lesson.
Things have definitely improved for us. I don’t get a sick feeling immediately in the pit of my stomach when I discover something we’ll need to fix or spend money on. Well, sometimes I still do, but it isn’t my inevitable immediate reaction. But the reality is, it could happen all over again. My spouse could lose his job, we have little resources right now to combat that long term, we might have to turn to credit cards, and we could be back in the same place we were 4 years ago. At some point, we’ll be more prepared, but we have to finish fixing the mess we made first.
This process takes time. There isn’t an easy solution. And hence, debt stinks.