Writing about how we’re poised to pay off the car got me thinking. There was a small part of me that didn’t want to write about it (vs. the part that was fist-pumping with joy) because I felt like it wasn’t “legitimate.” Sure, we were snowflaking a good deal extra toward the car, but because the final payoff money came from a windfall instead of our snowflaking, I felt like a bad PF blogger.
After all, how am I supposed to tell you “This is what to do to get out of debt” if I draw a better card at “Chance” and advance directly to Go? (She says, making a Monopoly reference.)
So I pulled back. I asked “Would I be happy for another blogger who used their windfall to pay off debt?” Yes. “Would I be happy for a reader in the same circumstances?” Yes. “Isn’t using whatever money we happen to have to pay off debt the whole point of snowballs and snowflakes?” Yes. “Would it have been better if I spent the money on gadgets, computers, and toys?” Goodness no!!! I wouldn’t have been happier and I would have been thoroughly ashamed to write about it.
Besides, the blog isn’t about me being some perfect personal finance guru who will lead you on the road to debt repayment and financial security. If I ever come off that way please just e-slap me. This blog is about my journey, our journey, and sharing what I’ve learned along the way–facts, strategies, inspirations, challenges, etc. I’m 100% human, I’m not a Dave Ramsey gazelle, and sometimes I make bad or less-than-perfect financial decisions. I’ve slowed down our debt repayment by not saving as much as I could or by putting some extra money in savings instead of toward the car.
But I’m dedicated to getting us out from under this dark cloud of debt as best I can. And in doing that, any money we put towards it is great, all of it is legitimate. Every bit of interest we don’t earn is a blessing.
And I’m excited to only have one debt left, even if it’s $100k of student loans. Gulp.
Stay Tuned for “Where’s My Money Going?” Month!!