Hey debt fighters! Today we have a lovely dear debt letter from E. E is a personal finance blogger at Joyfully Frugal where she blogs about aggressively paying off nearly $70,000 in debt while working to live a more minimalist, simple, and fruitful life. She has sought inspiration in all corners of the internet for this journey and would love to connect with you to find common ground and hear your story.
Thank you. Have I said that yet? I know I’ve spent a lot of time bemoaning your presence in my life (like, A LOT of time), but really I owe you some gratitude. Every month when I see your little payment notification pop up I feel no small measure of dread and stuck-ness. Like we’ll be together ’til death do us part. I don’t want that. In fact, I’m aggressively trying to get rid of you. But that doesn’t mean I’m not thankful.
Kate Northrup talks about bills as invoices for blessings already received. I love that concept and the reframe it implies. In fact, I love it so much that it has shifted my entire way of thinking about you, Debt. You see, your presence in my life is really just an indicator of some pretty major blessings that I’ve received – chief among them a high-quality education, a new nesting place with my partner, and a jump on some professional development for my future business.
So yes, I’d like you gone. I’d like to not be indentured to anyone or anything. That’s a fact. AND I’m also, simultaneously, grateful – grateful that I had the opportunity to take you on so that I could afford myself numerous other opportunities. Weird how one little switch of perspective can take you from shame and blame and sadness to lightness and appreciation and even (dare I say it) joy.
So, while you’re still in my life, I’d like the opportunity to thank you. You deserve that. And now, if you’ll excuse me, I’m off to reduce you to a zero balance.
With appreciation for blessings already received,