A windy day was in the forecast with gusts up to 40mph. I didn’t care, I was going for my run. The wind smacked me in the face almost immediately as I started off down the street. I tucked my head down, turned the volume up on my iPod, and cut through the wind for the first half of my run.
Every step was a struggle, the end of each block a victory.
I was grateful when I reached that familiar street corner that represented the half way point of my run. I smiled as I turned the corner, knowing exactly what was about to happen. Not only was the wind now at my back pushing me along, but I was also heading down hill. I found one of my favorite songs, picked up speed, and starting singing along out loud.
The worst was over. This was the fun part.
I couldn’t help but think how my run reminded me of where we are with our journey out of debt. When we first enrolled in our debt management program, the immediate changes necessary to our life were shocking. With all our our lines of credit closed, we were forced to live within our means. We looked for ways to cut expenses, reduce our lifestyle footprint, and started to learn ways to save money on the necessities. We even increased our income by both of us taking on additional work, but somehow it still wasn’t enough.
Every day was a struggle, the end of each pay period a victory.
We didn’t reach that familiar street corner at the half way point like I did in my run. We had to run against that gusty wind for far longer on our get our of debt journey. We were communicating better, but it wasn’t enough. It wasn’t until we had a knock down, drag out argument that literally lasted the span of an entire weekend regarding why it still seemed like we never had any money left over even on weekends when it didn’t seem like we did anything extravagant.
The conclusion was, our attempts at having consistent financial discussions were half-assed at best.
From that day forward, we have scheduled budget discussions on Thursday and Sunday. Together we go over the balance of our checking account, what bills need to be paid, and what hasn’t posted to our account. We talk about what we have to spend, and how we’re going to spend it.
We’ve turned that corner, and we’re headed downhill, with the wind pushing along. We’re gaining momentum, and with only eleven payments left until we’ve eliminated that mountain of debt nothing can stop us.
The worst is finally over. This is the fun part.