Debt Free Debt: Justify What Can’t Be Purchased
Do you sometimes feel like making many sacrifices to live without debt? A debt free life is easy if you have no debt. But, living with debt free and working to get rid of debt, at the same time, can be a struggle. It can feel like you always give up what you really want to fulfill that goal.
Sometimes we can’t help but be discouraged. Our desires and desires get the best of us from time to time. But for me it always seems to be the best if you stay there a little longer.
On a commercial diet the other day, they said that all cravings passed in about 15 minutes. If you can hold it for 15 minutes, the desire will pass. I find this somewhat true with impulsive purchases. Justification for non-purchase takes about 15-20 minutes and the desire to buy is lost. Let me tell you my own experience.
I already wanted a washing machine and dryer set out front because they became a popular style for homes. Every time I go to the store that sells it, I stand and stare at beautiful machine pieces and even compare prices. But even at the low end, this set of machines will cost you around $ 1600. I can’t tell you how many times I have almost approached the seller about an “easy payment plan.”
Every time I hesitate, and after about 15 minutes thinking about it, I will leave. I will tell myself that the purchase is not necessary at this time. Besides that, my antique washing machine and dryer still works wonders. And, I don’t really need a set that costs $ 1500 when I can get an excellent washing machine and dryer for around $ 650, when I “really” need it.
Persuading yourself not to buy is difficult when you have said it for too long. Justifying non-purchases for living reasons and being debt free is very valuable. I have about four years to go before I see zero debt. After that, I could save enough to buy the washing machine / dryer set that I wanted in just two months, based on my current debt payments. At that time, my taste and style might have changed.
I got a new washing machine and dryer. They are not front loaders and they are not “new.” But they are new to me. During the renovation project, a friend discovered that the machines they owned would not be accommodated in the room and decided to invest in a new stackable set. They are less than five years old. Less than 1/4 of my current set age (which is not even a suitable partner), and in good condition. We got both for a total of $ 150.
I am happy with the purchase. It satisfies my goal to be debt free and save my money. This debt-free purchase that I can live! Now, I don’t have to worry about being stuck without a washing machine or dryer. The old became temperamental and it was clear that retirement was near for both of them. Life without a washing machine and dryer is not practical with a family of six.
Living to be and remain debt free is often a challenge in a credit card crazy world. We live with constant exposure to credit card “drivers”. If they can’t get you at home, through letters or TV commercials, they make you when you walk in the shop door and at the cashier.
When you want something and you stop and look, just remember the theory of non-purchase for 15 minutes. Walk around and justify not making a purchase for at least 15 minutes. Long enough to talk about it and save the day. You will save money and stay true to your goal to be or remain debt free!