I have spent a lot of time in the last two years thinking about the large amount of debt that I have accumulated. A lot of googling things like “how to get out of debt”, “how to save money”, and “how to make more money”. A lot of the articles I found did help however I’m still in debt.
Now, this is for a number of reasons, first I didn’t really take seriously the debt that I was in, I also didn’t make a debt repayment plan. However, even with all of that I would still rather be in debt than lose a few things. Good news for me though is the things I would rather have don’t require much if any money.
First a foremost is my family. I have my wife who is my companion, my support, my wall, my best friend, and more than one sentence can explain. Without her I wouldn’t be able to spend time working on this site, or trying to make money on the side, or really anything I’m doing now. Because of that it is important to me that I spend as much time as I can with her and do things that she enjoys.
I don’t much like going out of the house, I’m really a homebody who could spend weeks in my house and never feel like I need to go anywhere. As long as I have good food (which I can cook myself), books to read (plenty thanks too a few sites), and a TV for when I don’t want to think I’m good. My wife on the other hand enjoys going out to eat, she enjoys going to the beach,out to movies, to shows, shopping, etc.
Because I love my wife I am more than willing to do these things with her (as long as too much money isn’t spent). So I would rather be in debt than not have my wife, she is so important to me that any amount of money, and/or debt is worth having her.
Friends are as important if not more important than family. In fact some people are so close as friends that they really are family. Because of these I find it important to not only find good friends but to nourish that relationship.
What’s important when finding and choosing who your friends are is to find ones who share the same values as you. If you are trying to get out of debt and you have a friend that has maxed out 5 cards and got number 6 and wants to go out on the town to celebrate the new card, that may not be a friend you want to have.
If though you have a friend who is in debt and also wants to stay at home and have dinner, or do some cheap or free activities that you both enjoy, you may have found a keeper in the friend category.
My health is something that I think about often, I’m only 26 and have had more tests done then some who are in their 40’s or 50’s. Just a few weeks ago I was diagnosed with diverticulosis, which I don’t fully understand but has something to do with pouches in the colon (sorry to gross anyone out here).
When the doctor told me that I had this, she said two things that struck me. Number one is that this is only found in the USA, yes other countries don’t have this problem. Second, is that it’s typically found in people in their 50’s or older and very rarely in someone who is in their 20’s like me. Though this isn’t life threatening (as far as I know, if it is and I’m ignorant please email me immediately) it is something I have to deal with.
It’s because of this and other reasons, why I think you’re health is one of your biggest assets, and if I’m willing to spend time, money, and effort on getting to financial independence, than I should be even more willing to do the same to get healthy.
It is my utmost goal to get out of debt and start saving for early retirement as soon as humanly possible. That being said there are some things that are more important than getting out of debt.
We all need to take some time to “smell the roses” as it were and enjoy the life we have, or get healthy and make sure we can enjoy the life to come.
What do you think, are there things that are more important than getting out of debt? What are you willing to deal with having debt for? Let me know in the comments
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