Money Talks, So Should You

Married to the Money: Change your perspective on debt

Rachel G.
by Rachel G., Dimespring 30 (@savorysarcasm)

Anyone who’s been in debt before knows that drowning feeling. It’s debilitating, overwhelming and incredibly discouraging. You want so badly to be freed from the shackles of debt and it seems that your monthly payments aren’t getting you very far. 

If you’re like me, sometimes you can’t help but feel you’re the only one stuck in this rut while everyone you know is either ignorant or they don’t have the financial worries that you do. You’re the guy barely staying afloat in the deep end of the pool and while you’re bobbing up and down, the suave, calm looking fellow a breaststroke away floats comfortably on his blow up deluxe lounge chair with an ice-cold margarita in hand. Ugh.

INFOGRAPHIC: Does money = happiness?

The financial debt we rack up doesn’t just affect our credit scores and our pocketbooks; it affects our attitudes, our relationships and other facets of our life. What I have had to do is completely change my perspective. It’s a real challenge for me to see the glass half full when my financial glass is half empty, but having a more positive outlook on your situation can really change your life.

I’d like to think of myself as a realist when it comes to most things. I see them for what they are. I have learned, though, that what really comes out sometimes is just pure pessimism. By simply rephrasing my comments, steering my attitude toward bills in a more positive direction, it greatly helps my mood and anxiety about the situation.

I wrote in my last post about selling off unused possessions, and we are still doing that. Little by little we’re seeing how much we really don’t need and we are earning a few bucks in the process. This simple (and therapeutic I might add) act helps us to stay the course and stay positive while we pay off various bills.

READ: 4 smart ways to go gluten-free on a budget

I challenge you to change your perspective. Next time you pay off more than the minimum due or you finally paid off one of four credit cards, don’t dwell on the three remaining but celebrate your diligence and commitment and say GOODBYE to that one. Be proud of yourself and remind yourself, “Hey, that’s one card I no longer have to think about!”

So when we earn a measly $40 on a lousy end table, it’s no longer “just” $40; it’s something to be excited about, it’s $40 I didn’t have yesterday and it will go toward a bill of my choosing and that feels great.

Rachel is a young professional living with her husband in Bakersfield, Calif. She started her public relations/social media management agency in 2011 and loves what she does. When she is not working, she enjoys spending time with friends and family and writing for her blog, Savory Sarcasm. She’ll never turn down a good glass of cabernet sauvignon and is obsessed with her two dogs, Gus and Rylee. Rachel is a member of the Dimespring 30, a community of bloggers sharing their thoughts, experiences and perspectives on personal finance.