While working on another blog post this weekend, I started thinking about money, stress and specifically how I’m handling it all. I worry about money a lot. I worry about making enough, I worry about our debts, our budget, our future. I don’t sit around and dwell on these things but they’re in the forefront of my brain. I know I’m not alone.
All these thoughts got me thinking about where my motivation comes from. Where I find it within me to get a babysitter on a Sunday afternoon so I can work on my freelancing, precious time I’d much rather be spending with my baby. My time isn’t wasted since I get all my weekly tasks done and have made a little extra money for my family. I could say that my motivation comes in the form of my blue-eyed baby, my husband or some other sweet thing, but I’d be lying. While they absolutely keep me going, my motivation comes from the sheer fact that I’m scared shitless and don’t ever want to live my financial nightmare.
What Does My Financial Nightmare Look Like?
My financial nightmare involves my husband and I at our wits end sitting in this very basement 10 years from now. We have at least one other child that wasn’t planned and we can’t afford because we’re still in debt. The dream I had that involved moving in a few years was a pipe dream because though we ”tried”, we were unable to focus ourselves to pay off our debts and lost all motivation. We accepted the debt and live in a rut with no ambition.
Savings? Forget it. We stash away a few hundred bucks every few months for our retirement but since we don’t have a budget, we have no way of setting up true savings.
Our lives are miserable. We don’t vacation. We can’t afford to allow our children to partake in things that they really want to try.
Since we need a reliable vehicle, we have a massive car loan that we can barely afford and don’t care because we’ve stretched the loan out over eight years. It’s a new vehicle, it will last at least eight years…right?
Our dreams have stopped. Our ambition is gone. We’re still in debt. Living a life we hate in a house we grow to loath. We never get to Hawaii. We hate ourselves especially for not raising our children the way we wanted. We’re disappointed in ourselves. We failed.
This is the story I don’t ever want to write. This is my financial nightmare.
Avoiding My Financial Nightmare
Addressing the key issues in my nightmare is the first step. For us it’s dealing with our debt. We got serious about our debt last year and everything in our lives has improved dramatically. In planning for the future, we’ve been reading up on CFD and Forex Broker services too.
I have this fire in me to work as hard as possible to get out of debt and avoid this nightmare from ever happening. These thoughts of ”what could be” enter my head every day and this is what motivates me to keep going. I have a vision of what my life is going to be like and I want it. I really want it.
What does your financial nightmare look like? How are you avoiding it?