I hate debt.
There, I said it. I'm all for living life to the fullest and creating experiences that will last a lifetime. I completely agree with my father-in-law that a family trip somewhere new and exciting is much more enjoyable than a new kitchen. I just hate the idea of paying for things over a long period.
Nothing good can come from debt payments. It's this little nuisance that hangs over your head until its finally paid off - at that point - You get a raise!! All that money you've spent each month on that car, clothes, or whatever now gets to be enjoyed without remorse. I fully understand the value and idea of "good" debt vs. "bad" debt. The 0% APR kitchen debt is not a big deal - however, its still money we can't utilize each month. It's make things stressful.
Life is so much more enjoyable without debt. I think of what life is like without a mortgage, or student loan payment and it makes me giddy. All the money to splurge on my wife and help send my family on fun vacations and ultimately the best colleges. I never considered myself frugal, but I don't like wasting money. I like knowing where my money goes and maximizing the return on it.
I enjoy good bourbon. I spend money on it. I don't need to play the latest iPhone app or check facebook every day - so I forego an iPhone. Maybe I am too simplistic in my desires. I don't need or really want a new car - does that make me weird? I enjoy spending time with my wife, my family, and friends. I don't compete with them and they don't compete with me - at least I don't think so - and it makes me less stressful. I push myself in my career and school because I want to provide for my wife and kids. Sacrificing some today will mean a MUCH greater tomorrow. I truly believe that.
I still hate sending money away every month to the government and PNC. Can't wait to say Bye Bye Mortgage!!!
Coach
There, I said it. I'm all for living life to the fullest and creating experiences that will last a lifetime. I completely agree with my father-in-law that a family trip somewhere new and exciting is much more enjoyable than a new kitchen. I just hate the idea of paying for things over a long period.
Nothing good can come from debt payments. It's this little nuisance that hangs over your head until its finally paid off - at that point - You get a raise!! All that money you've spent each month on that car, clothes, or whatever now gets to be enjoyed without remorse. I fully understand the value and idea of "good" debt vs. "bad" debt. The 0% APR kitchen debt is not a big deal - however, its still money we can't utilize each month. It's make things stressful.
Life is so much more enjoyable without debt. I think of what life is like without a mortgage, or student loan payment and it makes me giddy. All the money to splurge on my wife and help send my family on fun vacations and ultimately the best colleges. I never considered myself frugal, but I don't like wasting money. I like knowing where my money goes and maximizing the return on it.
I enjoy good bourbon. I spend money on it. I don't need to play the latest iPhone app or check facebook every day - so I forego an iPhone. Maybe I am too simplistic in my desires. I don't need or really want a new car - does that make me weird? I enjoy spending time with my wife, my family, and friends. I don't compete with them and they don't compete with me - at least I don't think so - and it makes me less stressful. I push myself in my career and school because I want to provide for my wife and kids. Sacrificing some today will mean a MUCH greater tomorrow. I truly believe that.
I still hate sending money away every month to the government and PNC. Can't wait to say Bye Bye Mortgage!!!
Coach
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