I am writing a book about my debt free journey.
I am due to be debt free on the 27th August. It is a journey that will have taken me 1727 days, or 4 years, 8 months, 22 days. It was on the 6th December 2015 that I realised I couldn’t carry on with the way I had been living my life at that point. That is the date I began to take control of my finances rather than have them control me. Sorry for the cliché.
About 50% of my total debt was from being a bit silly with my money. Buying things I didn’t need, buying things I couldn’t afford, and buying things I neither needed nor could afford. However, the other 50% of my debt was from literally, and I do use that term correctly, not having any other option to survive.
At the beginning of my journey I kept it a secret. My partner at the time had an inkling as to what was going on but I was giving him an edited version of the full picture and I think to an extent he was too afraid to ask.
Now I tell anyone and everyone about my debt. I’ll talk about it to anyone who shows an interest, and probably to people even if they didn’t show an interest.
Getting into debt understandably changed my life for the worse. But getting out of it has ultimately changed my life for the better.
I am not the same person who got into debt. 10 years from now my financial journey will also likely take me away from the person I am now.
The most important thing I’ve learnt in life is you should never underestimate your capacity to change. You can change. You can make mistakes, but then you can fix them.
I have made countless mistakes with money, you name it I’ve done it. But I will never make them again and my financial past does not determine my financial future.
So I’m being a bit bolder and a bit more public about what I want in life. You all know that I’ve invested in a book writing course, so let’s hope that it will be worth my money (I’m sure it will be). Ultimately I will only get out of it what I put in. So I will do my best.
I am about 20000 words into the book, or two dissertations worth. I mean, I might as well write, it’s not like I’m going anywhere or doing anything else during lockdown. Might as well keep busy.
I didn’t spend any money today, which is always good. I did a run, which is always good, and I’m doing some writing. Good times.
See you tomorrow.