“and this too shall pass”? Really? My first husband’s lovely aunt, Aunt Muff, used to say that all the time. I was sure she made it up! I’m truly not as ignorant as this must sound, but I loved that woman and think of her saying this all the time, and to think, she got it from Abe! I just learned something new today, along with info about a Fidelty fund I wasn’t aware of. I learn new things from you guys all the time!
But as someone who freezes up looking at a spreadsheet (heart flutters, panic sets in). I find programs like mint.com really helpful for managing my spending.
Also, as an organizer, I get paid to help people get rid of their stuff (all things they should technically be able to do on their own, all things they can actully really do on their own) but ….people reach a point with both their belongings and their money where they simply have no idea where to start, it all seems completely overwhelming, paralysis sets in and no action become the reaction.
For people in these situations, paying for a D.R. program, or software, or paying for an organizer, is often the helping hand up they need to begin the process of getting their lives together. My guess would be that there is the same underlying currents to both people who have “too much stuff” and those who have issues with their money. It is rarely just about the money or just about the stuff.
I give a lot of freebies away on my facebook group and if people followed all of them, they would never need to hire me, but some people need more resources than simple tips and nothing helps like hiring an expert. Most of my clients end of finding the resources to pay for me and then some during the organizing process (uncashed cheques, actual cash, or selling unused or unwanted items). They often make money by hiring me and have a mental freedom by being unburdened by their belongings.
I think that many of the Dave Ramsay clients would feel the same way. They spend money on the program but find that money and more by cutting expenses, tucking away savings, and finding an new freedom by being unburdened by their bills piling up. To me, peace of mind is priceless.
Right now I’m feeling very powerful, even though we are temporarily very broke. We’ve had many extra expenditures this pay period that according to the budget should have put us nearly $1,900 in the hole this pay period, but by cutting here and there. Doing without, telling ourselves no and thankfully selling several items we are going to make it and still keep our snowball rolling. I am feeling so much pride in accomplishing this, far more pride than I ever even considered having when I would slap out a credit card.
I completely understand your depression, but I also know that both of you (Eldred and Lea) are really far better off than you were previously.
Neither of you no longer have to flinch when the phone rings and check the caller ID to see if you want to answer it or not. That is far better than you were when you were in debt. Both of you know how to budget now—even though the budget is very tight.
You are both fighters.
And most importantly you are both inspiration for the rest of us who are still struggling to get debt free. We need you and you are always there for us. In turn we are here for you.
As Abraham Lincoln said “this too shall pass”
Now take your Pollyanna pills and hang in there.