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Posts Tagged debt

Don’t Go Gentle Into That Night

I recently was listening to a podcast where a quote was given that struck me.  I have been thinking a lot recently about how predetermined and designed life can be for us unless we wake up and take charge.  The quote was:

It’s called the American dream because you

have to be asleep to believe it.

Wake from your slumber!

The scary thing is if we don’t wake up from this slumber of complacency, our lives are influenced to a point that defies common sense.  It may be extreme sounding, but to be a cog in the machine, to work long hours only to “buy, buy, buy!” it’s like we are merely an engine which we fuel consumerism.  That isn’t to say that to consume, buy or trade is inherently wrong, but to do it with such abandon that the average American has over $15,000 in credit card debt is insane. (source)

dulyposted-live-your-life_quote-610x610Being “awake” is an odd experience when people some call tiny housers crazy for living in a tiny house.  If I were to have no debt of any kind and $10 in my pocket, I’d have more wealth than 25% of Americans combined!  If I have no debt and $15,000, I’d have a higher net worth than about the bottom third of Americans… combined! (source)

We are told debt is normal, that credit cards are normal, that a home loan and a student loans are a “good investment” and people believe it.  I believed it for a time!  I have a Master’s degree and after crunching the numbers, it panned out financially, but that is quickly changing for many people. (source)  A home loan… no thank you.  I have friends who talk about buying a home, with no money down and all I can think of is “I want you to be happy, but I can’t but help question the wisdom of not being able to afford a down payment, but thinking you can afford a house”.

I don’t think it’s my place to say people can’t shop till they drop, have no debt of any kind or they should live in a tiny house.  But I struggle when I see people – particularly friends – taking this predetermined path without giving it serious consideration.  If someone were to be fully aware of things and still decided to proceed, I’d be okay with that, but blindly following the pattern is scary.

tumblr_mzzdbvaN5A1sk4myeo1_1280As I’ve grown older, I’ve seen more and more of my friends get into the grind of adulthood and be miserable in their jobs; luckily I think this is the minority of my friends/acquaintances.  I’ve had friends comment that they now drink more than they used to because it makes the work week a bit more bearable.

I see consumerism as a troublesome band-aid for many folks who are unhappy with some aspect of their life.  Again, I’m not saying no consuming, there are things we need in life, but it shouldn’t be a coping mechanism like it is used today for so many.  I was shocked to find out that I know several people who go to the mall and shop 2-3 times a week!  I think the city where I live, Charlotte, is on the extreme end of this, because I have 6 large malls within a 30 minute drive of my home; there is even tour bus companies here that bring people to our city just to shop!

To not just complain about it all, below are some things that might help determine your own path.

  1. Consider what your goals are in life, then look at why they are your goals, dig deep.
  2. Write a personal mission statement.
  3. Do the math on what debt really means for you.
  4. Ask yourself “if I could do anything right now, what would it be?”
  5. Identify the reason you cannot do number 4 right now… How can you eliminate that?
  6. Consider how resilient your currently are in your situation.  How can you be more resilient?
  7. Identify stressors and potential disrupts, guard against or change to eliminate.

 

To close I thought I’d share this poem, which I used part of in the title.  It’s by Dylan Thomas

Do not go gentle into that good night,
Old age should burn and rave at close of day;
Rage, rage against the dying of the light.

Though wise men at their end know dark is right,
Because their words had forked no lightning they
Do not go gentle into that good night.

Good men, the last wave by, crying how bright
Their frail deeds might have danced in a green bay,
Rage, rage against the dying of the light.

Wild men who caught and sang the sun in flight,
And learn, too late, they grieved it on its way,
Do not go gentle into that good night.

Grave men, near death, who see with blinding sight
Blind eyes could blaze like meteors and be gay,
Rage, rage against the dying of the light.

And you, my father, there on the sad height,
Curse, bless, me now with your fierce tears, I pray.
Do not go gentle into that good night.
Rage, rage against the dying of the light.

 

Finally, I’d like to hear your thoughts about this topic. 

Your Turn!

  • How did you “wake up”?
  • How do you help people consider their path?
  • How can we awaken loved ones we care about?

Get Rid Of Your Crap

I started watching this video today and was floored by not only how good it was, not only how true it was, but also how much it just resonated with me.  I think every tiny house person should watch this and even non tiny house people.

The quotes that stood out for me is “if you don’t answer this question [what does freedom mean to me] there is a corporation, company or product that is happy to answer it for you”

what does freedom mean to me