Update: hubby and I paid off our debts in 2015. It was a long road, but we made our goal! I wrote this post on not giving up during the process.
What do you do when you feel like giving up?
I’ve been feeling mighty discouraged lately. I have some big goals that I need to reach, and I’m feeling inadequate.
Does it always have to be two steps forward, one step back?
Last year hubby and I attended Financial Peace University. I was so fired up about getting him out of debt.
Since I was pregnant, we had some months to really focus before baby arrived. We made our budget, figured out where we could reduce expenses, had weekly budget meetings as a couple, and paid off a good chunk. We also paid our midwife, and saved a few thousand dollars in preparation for buying a bigger vehicle (our current car only seats 7, and there are 8 of us).
Baby comes, and is healthy and that’s the most important thing to be thankful for. Another thing that comes is a bill from the tax man stating that we made more money than our accountant figured on, so we owed several thousand in taxes.
There went our savings account. Every penny, and then some. And hubby got notice of some more debt he didn’t know he had.
Do you know how it feels to think you’re closer to being free, and find out you’re actually more in the hole than a year before?
I thought I had no personal debt, then I got a medical bill for $900 for an E.R. visit with the 5 year old – and unbeknownst to me, her medical insurance had lapsed 5 DAYS earlier. The same thing happened two days ago, when I got a bill for $2,000 for an accident that happened to my daughter two years ago, when I *thought* she had insurance. (The paperwork had been going to my ex, so I was unaware of this situation.)
Frugality can be so frustrating at times.
You shop at multiple grocery stores and do sales and coupons to get the best deals, and can’t figure out how to make a meal out of what you bought once you get it home.
You decide to cut your son’s hair to save money. Then you botch things and end up paying a professional after all.
(I’ve cut their hair in the past, and I always did a good job. But this time, I used clippers (something I’ve never done). The 10 year old looks great, but I goofed a little on the oldest’s bangs. I fled to my room and nearly cried out of disappointment and frustration at myself. With a little gel it looks fine, and it will grow… but still.)
I feel so tired. Too tired to attack my problems.
Right now I need to clean out my basement in preparation for our move. I need to set aside stuff to sell, decide what we’re keeping and storing, and clean the space. (After it flooded several times because the landlord procrastinated on solving the problem, mildew is growing. We have to get rid of it before it makes us all sick.)
The thought of all I need to do to save, sell stuff and increase my income is overwhelming.
Ever been there?
Today I remembered a scripture and I’m trying to meditate on it. I wrote it on several index cards and I’m sprinkling them throughout the house.
Galatians 6:9 –
“So let us not give up in doing what is fine, for in due season we shall reap if we do not tire out. “
I have to keep thinking that things will get better. That eventually we’ll meet our goals. Baby steps.
I’m doing a lot of things to save money. I started a new savings account yesterday and am shaving every dime I can off the budget to add to the balance.
And I hope I don’t sound like I’m whining. I know very well how fortunate I am.
It’s just that I don’t remember feeling this way before. When I was a single mom, I paid off my debts. It was an amazing feeling. I’ve always been the kind of person who attacked her goals. I used to be able to sustain the inner drive that it takes to get where I needed to be. Now I feel … weak.
I’m also thinking about these two:
“For all things I have the strength by virtue of him who imparts power to me.”
“… but those who are hoping in Jehovah will regain power. They will mount up with wings like eagles. They will run and not grow weary; they will walk and not tire out.”
I keep praying for that strength, that energy. It takes a lot. I don’t know how people stay encouraged when they have tens of thousands of dollars in debt.
I know they have to create massive energy towards meeting that goal, and the momentum keeps them going.
I can’t seem to get started slogging up the hill.
What do you do when you feel like giving up?