That was a recent comment I received from a friend, referring to the fact that we are actually paying off our student loan and credit card debt, and doing it in record time to boot.
Yeah, well, we’re pretty much the only people who do a lot of things, so…
The question then is, “Why in the world are we doing it?”
Why are we weird, you mean? It’s probably something to do with genetics mixed with a little upbringing. Throw in the Holy Spirit and *BAM* there you go. We came out counter-cultural, and I can’t really explain it. I’ve spent a lot of time trying to, but there really just isn’t any explanation that doesn’t sound hollow and contrived. I’m just me, o.k.?
Chances are, though, that if you are reading this blog, you probably have a little streak of counter-cultural in you too. I’m here to tell you: it’s o.k.
Debt-free living certainly isn’t the only way to live. Paying off your debts in wayyyyy less time than they expect you to and then making a commitment to avoid borrowing money at all costs probably just won’t cut it with some folks. And that’s fine. Really. I don’t think any less of those people because there are probably 20 other things that they are convicted about and called to do that I’m not doing.
However, I also want to say that living with debt also isn’t the only way to live. Your creditors, your bank, your neighbor, and your mom all might tell you differently, but they are dead wrong. You can live without a credit score. You can pay cash for everything, even a house (just think how cool THAT would be). You can choose to embrace delayed gratification instead of having what you want. Right. Now. You can live without having to make a single monthly payment on something you bought/did ages ago!
I might appear nuts, but what’s really nuts is that there literally are people walking around out there with houses they are nowhere near able to afford, cars that cost more than than they make in a year, flat screen TVs that they absolutely could not live without and had to have on credit ASAP, student loans that go toward living in an “upgraded” apartment and daily fast food runs instead of getting a job, and the list goes on, doesn’t it?
There are many reasons for choosing the debt-free lifestyle, and among them is this very simple one: We got sick and tired of being sick and tired. That’s it! We didn’t like seeing our bank accounts deflating faster than a balloon with a pin prick in it while we surrounded ourselves with things we didn’t really need. We wanted to be able to afford a nice vacation sometimes. Or be able to pay cash for a car so we can negotiate a deal rather than end up paying way more money than the car is worth. Or be able to give freely to anyone who has a need.
The debt-free lifestyle might not be the only way to live, but I would argue that it is certainly a more freeing way to live. And I hope you would agree…
How About You?
Why do you choose to live debt free? Do you agree with me that it is a more freeing way to live? Do people think YOU are nuts?? Leave a comment, share the post, subscribe via email, or send me a note! I would love to hear from you.