We ask this question a lot whether we are a person of faith or not. This morning I am, as a person of faith, asking it about the death of a loved one. We ask this question when we are stressed, depressed and don’t know what to do. Many of you have asked this question recently in the area of your finances – “Why Lord why is this happening to me? Why do I owe so much, why are the creditors calling me, why is nothing good happening to me?”
The answer is more simple than you think when it comes to your money. This is going to hurt, but it has to be said – you are where you are because of you. Ouch! Now I’ve pulled the Band-Aid off so let the healing begin.
You may be praying for a miracle, but you don’t need a miracle. You just need to make a decision to get out of debt and do it. You are probably saying, “But Debbi, you don’t know what I’ve been though.” “Debbi, I had no choice but to go into debt”. Hogwash – on both counts. I do know what you have been through and I know you did have a choice. The only way I ridded myself of $200,000 in debt was to realize I did have a choice and to understand that the answer to the question “Why Lord Why” was because I made bad decisions. I mortgaged my future for something that I had to have even though I didn’t have the money to buy it. This holds true whether it is credit card debt, a car loan, or even a student loan. You can go to college debt free, but you chose not to. You can buy a working car with cash, but you chose not to. You can live without a computer, iPad, iPhone, etc, but you chose not to.
I cannot say this enough – you are where you are because of the choices you made. The good news is you can get out of debt the same way – by the choices you make. You can choose to sell your car and buy one with cash. You can choose to not take a vacation this year. You can choose to get a prepaid cell phone. You can choose to rent a movie instead of going out. You can choose to cook at home instead of eating out. Getting out of debt is a choice, just like getting into debt is. And it can be done – I’ve done it and so have countless millions.
So here’s the real question – “Why am I not choosing to get out of debt?” What is holding you back? If it is knowledge, then get it. We offer coaching programs, I have two award winning books, and so do countless other great personal finance experts. The knowledge is out there. If it is excuses, throw them out. Every time you find yourself making an excuse, replace it with a positive choice. If it is because you think you can’t, I am here to tell you you can! If it is because you don’t want to sacrifice, then I can’t help you.
You are the answer to the change you want to see in your finances. You are the answer to the question “Why Lord Why?” in the area of your money. Maybe you’ve had some bad luck that was out of your control – lost a job, etc. – but if you had money instead of debt, it would have worked out much differently. You can’t change the past, but you can learn from it and change the future. I hope today you will choose to make that change and begin your journey to wealth and financial freedom.
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