Made almost – but not quite – a grand selling part of the nonsense purchased for no memorable reason … lots of Euphoria at one point while growing my debt monkey. Now? Now, still at the Self-Pity stage, but actually doing something about it is a big switch. The biggest change has to be (1) …
Totally Mad, Full Crazy, & a Lil’ Bit Insane
The other day me/myself/I were discussing our debt monkey – that Gorilla of Foolishness swollen to $225K – and we all came to the unilateral decision that it is not real. Nope. Not a thing. Because if it were real then we would care. Instead, debt is just numbers on a screen or paper rectangles …
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the Tao of Half – Debt Ed. 101, or Smear it like a Shmear
One of Half’s money wisdoms is that if must, and if option, then spread any debt charges across several cards, and avoid money = mass, as in accumulation, that turns into a tumor. Because that’s what big debt – a Gorilla of Foolishness – actually is — a terminal cancer on personal finances. Half’s approach …
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Slim the Monkey
The reality of limited resources … ahhh … ewww … Cash & debt, assets & liabilities, income & expenses … Really. Can I just live? Warren Buffett said [and paraphrasing here] that if you work for a living you’ll work until you die. That is not encouraging. But then again … it is. America …
Circus Tricks
The dirtiest of the quick … or the quickest of the dirtiest … nah, the dirtiest of the quick … HERE! a few circus tricks to tame that monkey, shrink that simian to tamarin size [grins stoopitly], and feed it lots of a lot less: Pay Down Before Piling On Now most normal brained people …
Money = Mass, as in accumulation. Or tumor
Shocking confession: I don’t have savings. {Matt. 25:3} But Half does, and keeps the family afloat with all that fiscal responsibility. Me? Heh. Just reaping the benefits of marrying a better person. Hypergamy of the spirit. Heh. Dr. Lynn Richardson, one of the intersphere’s financial gurus, discusses the concept “paycheck to paycheck,” and she explains that …
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I!CAN’T!GET!NO—!
Rather than “debt repayment,” the goal here is “debt satisfaction” = making my creditors as happy as I can within the least amount of time. Truth be told: I would much, much rather repay everything I owe to everyone I owe, but (not to excuse but to EXPLAIN) the time-value of money being what it …
And Now, Please Welcome to the Stage(s) …
Back in 1969 a book called On Death and Dying presented this idea that people mourn loss in five stages or states of being (the Kübler-Ross model – thanks, Wiki!) that includes (1) denial, (2) anger, (3) bargaining / negotiation, (4) depression, and finally (5) acceptance. Basically, the idea is that humans experience feelings of loss – loved …
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Ring on Time
Awhile ago recently (yes) I had come to the spiritual resolution to address my debt. As part of that decision I contemplated next steps, and how to approach the creditors towards whom I had shown insufficient attention and respect … dined and dashed with my debt monkey, as it were. First thing – I couldn’t …
Same Dollar, Different Debt
Five-figure student loan right here. [Shrug.] At this point debt is like breathing – be more surprised if it all came to a sudden stop. Like many people, or some people, or a few people, or maybe just me (heh) I stopped and started more than once with the whole educational/career-direction/findwayfeedself experience. And – as …