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 …
Month: February 2021
men plan and GOD! laughs and LAUGHS
God, I don’t believe, manipulates people. I believe He offers options, and makes ways, and presents choices, with the consequences and repercussions for the individual as and what they are. The Book of Esther Her uncle Mordecai stepped up when Esther’s parents were killed, and she was left a young orphaned girl. He raised her …
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 …
Read the full post →“And Now, Please Welcome to the Stage(s) …”
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 …
FICO for What
The Fair Issac Corporation has helpfully offered to accumulate everyone’s personal spending data and then rate you on how you debt (i.e., “creditworthiness” … are you worthy? I thought not). Based on my in-depth research of FICO scores, and the analytical synergies of the dynamic interface, I discovered that this, too, is some nonsense. I …
Is That Me? AKA: Don’t Smell That
sometimes life can be such an interruption OK back to regular programming- Yes, the funk of the debt monkey is pungent, and my personal Gorilla of Foolishness definitely has a … tang. Still, I don’t really mind the smell and, at this stage, don’t even flinch. However … nevertheless … despite … due to … …
The Social Contract is a Hit
You’re dating yourself … but remember (no) back in the 90’s when Newt Gringrich (yes if you are young that is a name) and the Republicans crafted that “Contract with America,” and how almost immediately the joke (a primitive meeemmm) became “Contract on America,” and funnily enough, that’s just about what it turned out to …
The Credit Circus – Act 1
{Prov. 22:7} I distinctly remember the first time I fed my debt monkey. I already had one — see: student loans – but it was small and cute and furry and could eat very little over a very long time. But … I wanted my debt monkey to grow. And grow. And grow. Now, I …
the Tao of Half
Save a little. Spend a little. Shelter a little from the storm. Somewhere amongst and amidst these pages I mentioned that both Half and I are products of divorce, and also that Half’s money marriage is loving and supportive, with a debt monkey trained extremely well. As a matter of fact, Half’s debt monkey is …