Day 15: The Truth About Debt

Y’all, I’m going to be real with you today. Can you handle a little tough love on a Monday?

Some of you reading this have a load of credit card debt right now.
You avoid the mail.
You screen phone calls.
Your pulse starts beating rapidly every time you check your bank account.
You lay awake at night wondering how you’re ever going to get out of this hole you dug for yourself.
Does this sound familiar?

Want to know why you are feeling that way?

Debt is a form of slavery.

You are slaved to money collectors.
Slaved to banks.
Slaved to a society that accepts it.
Slaved to a lifestyle that requires it.

Now picture this: What would your life look like without those payments and burdens?
Getting your paycheck each month and not having to give any of it away to collectors or banks?
Looking in your bank account and feeling relieved because of the amount of money you have saved?


My friends, today is the day you can stop. Stop charging everything to your credit card. Stop buying things you can’t afford. Stop avoiding your bank account and deal with your money head-on. It isn’t going to be easy at first. You’ll have to learn to live within a budget and that’s oh-so-painful when you’re used to living luxuriously charging everything. But I promise you, the end will be so worth it.

Ok — I’ll get off my soapbox. This topic just gets me all fired up because I know what it feels to be in debt and I know the great freedom it feels to get rid of it.

When I was working to pay off my debt, I used to listen to Dave Ramsey podcasts when listeners called in to share their debt-free stories. They talked about how much debt they were in and how hard they worked. At the end they would scream at the top of their lungs, “I’M DEBT FREEEEEEEE!” and I remember tearing up listening to their passion, their freedom, anxious for the day mine was paid off as well. Check out some of the calls, they’re so inspirational! That could be you one day!

If you are struggling with a mountain of debt and want some one-on-one advice, please feel free to email me directly at myprettypennies(at) If you have paid off your debt, how long did it take and how did you feel afterwards?

This is day 15 of a 31-day series on Financial Freedom. Click here to see of the posts from the series. And thank you for reading!

(photo credit)

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