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When I was learning how to sing, taking private voice lessons, which I did for longer than I can remember, “Tis the Gift to be Simple “was one of the songs that my teacher thought was important to learn. I remember being taken in by the beautiful melody, but not really sure at all what the text meant. I knew just from the literal meaning of the words that perhaps the simpler life or lifestyle was the one that would bring the most happiness and contentment. I however was not in that mind set. For me the more complicated the proceeding the more exciting things seemed. I was hopelessly caught up in the whirlwind of what I thought was a great life, fast, spend thrifty, sure that the world would love me and accept me if I always and forever used credit cards. Someone would then be benefiting, although it was never me. I even once signed up, on an American Express Card, for a $1,000 Robert Allen Millionaires event which I never went to ! I never got my money back either, I never asked. Another thing that happened in the spending speed train that I was on, was that I signed up for a three year membership with a Kim’s Karate and then moved shortly thereafter. I was going to try to get my black belt in Tai Kwon Do but alas all I got was a big credit card bill, nothing to show for it and a mind that just simply ignored everything that happened. I never bothered to stop and think until I met a friend who was a lawyer. He got me a judgement against them, but of course, I never got my money back. And that was about $ 2300. Wow

Looking at that now, it boggles my mind. How could I have done something so stupid? Why was I not more level headed, why did I not listen when my parents said not to use credit cards? The sad thing is that I still have not gotten it. Oh every now and then I am debt free, but then I lapse again, when there is something I think I have to have! Something big always comes along or a whole bunch of small things happen and I end up in the same financial debt that I was earlier. I love the feeling of being debt free.

But unfortunately it never lasts long. It is the greatest feeling to not owe anyone anything. Debt free with income coming in. Debt free with income coming in works. But so many times, someone else just stole the money from me. Or else I let them steal it from through my credit card. I take responsibility, I should not have spent so much money on my credit card.

So from this I see that the best thing to do is put every penny towards the debt I have until it is gone. That way the scales will tip in my favor, each time I place that penny on the success side instead of the failure side of the justice balances.

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Referred by: http://jaykubassek.com

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