Many times we get questions in regards to our finances and how we got to where we are and HOW to we sustain that debt free status.
To make a long story short, we have been living with a out of the box mentality since we were first married. This has allowed us to be very savvy when it comes to creating a financial plan that has worked for us and has kept us out of debt. Today in society we are taught from a early age that credit is good and creating debt to create credit is good!!
That our goals should be one of everyone else's goals, to obtain a house, a car, a college education and stuff. Stuff to fill up the house, stuff to fill up our time, and stuff to make us happy. The problem is much of this indoctrinated thinking has made us slaves to the system. If we even mention not wanting to go to collage but perhaps getting a trade we are looked at cross eyed as if something is wrong with us. No college? How do you expect to get a job? How do you expect to live? Try talking about going off grid and g rowing your own food and harvesting your own wood, water,veggies and meat. Talk about stares of lunacy!!
NOT everyone fits into the square peg society has implanted into our brains
We also often fall into the "keeping up with the Jone's trap."
I haven't experienced this but I see many of my friends who live more in the urban settings where this can indeed be a driving force. The neighbor has this, the neighbor has that. Betty got this, Bobby got that. Pretty soon we are making purchases we probably cant afford. Living a little bit to much beyond our means. Making too many payments that we know we probably shouldn't have.
This week I posted my credit card verses cash video and was sadly astonished to discover the lack of restraint people have when it comes to credit cards. Most of them were very honest and upfront with this lack of restraint. But it took me off guard. Why is it we are like this?
Its not the credit card companies that are the evil entity but ourselves Our inner desire to want more and more. To forget about restraint and responsibility and swipe the card as if there are no ramification to doing so. It is a persistent theme that has woven itself thru Americas backbone and filtrated our lives. we are left then with debt we cant afford and depression and stress over it.
People had a hard time wrapping their minds around the idea of using the system. Using the credit cards to one's benefit. Their fear of overspending and over purchasing stifled what ever financial benefits they may obtain
Prehaps thats why there were so many homes foreclosed on. We live beyond our means and dont plan down the road, and we do become enslaved to the point where we cant even FORESEE using the system because the temptation is TOO GREAT!
When myself and Mr hilder talk about how we got to this point I think sometimes people also have a hard time wrapping their brain around the fact that we are neither independently wealthy or were we blessed at birth into wealthy families.
Both of us came from meager back grounds with basically nothing. Mr hilder was worse off being raised by his single dad who wouldn't even give him money for the school lunch. Everything we obtained came thru hard work. And not just hard work,, but often thru set backs and many trials and tribulations that involved unfairness and sometimes just bad luck.
We lost money, we made some money, and lost more. We built, rebuilt and kept going. We made mistakes but learned.
We did things unconventionally and we did sometimes did things the hard way. We relied on elbow grease and pure manual labor. We were frugal and made sacrifices, but still remained joyful and free!
I think there is no secret to being financially independent and debt free. I think we all look for answers and secrets when the fact is staring us in the face. WE NEED to stop wanting...stop overspending...and learn some restraints. We need to stop being so materialistic and start valuing other things in life. We need to have a plan and stick with it. We need to stop making excuses about credit cards and all the debt we have and start ponying up our side of the responsibility.
Learn to say no, learn to do without, learn to make a sacrifice. ITS the same thing when people talk about going off grid and they think its a joke. ITS a joke for them because they are so dependent on conveniences that they cant See themselves ever being off the grid. They cant envision themselves laboring a little to produce and create something. They would rather SWIPE the credit cared, or BUY something shine that makes them happy, then to change their way of thinking.
There are those of us who get it. But plenty still that dont. I believe one day the whole system WILL collapse. I do. As a follower of Christ the story has already been written. It just needs to unfold more. Until then, we live and we prepare. we try to be wise and we try to plan. AND YES, we use the system to save and save more. The goal is always to live w ithin our means and let god provide the rest.