The past month has been a complete blur of activity toward my goals and it is at this time I decided to make a public account of sorts.
I am in the process of eliminating the one debt I have, an impulsive personal loan which I used to reduce my targets, and I will have it paid on my birthday in just under two weeks. The idea sank in today that I will find myself in familiar territory: completely debt free with no open credit of any sort. I got goosebumps just reading that to myself out loud now…
Now don’t get me wrong… I know that I will be faced with the same inane conversations I experienced during my previous run as a truly free person:
“You have to have credit! At least keep one credit card so you can keep your score.” Turns out that I can keep score… Negative net worth was the score.
“How will you buy a car?” I have one already, that I paid for in 11 months. It has no payments and is less than halfway through it’s reasonable life. I’m good. When I retire this vehicle, I’ll buy the next one with cash. Alternatively, I can trade this ride in and pay the difference on an upgrade. Or I can just run it til the wheels come off, which is standard issue where I come from.
“How will you buy a house?” I am not 100% sure that I will buy one. In fact I am not 100% sure that I will stay in any one place for my life. Turns out there are different lives people can live… Shocking I know. If/when I make the decision to purchase, I will pay with cash and purchase the amount of house I require, not what the bank says I can get a loan for.
“What about (enter pointless material possession here)?” I am a minimalist and find little use for material possessions. This was one of the best decisions I have made in my life thus far. Experiences are the point of this life, and I’ve had far more of those once I tossed old notions.
“Debt is a way of life.” So is freedom. The choice is mine.
These are just a sample of the sort of stupid conversations I’ll be squashing before they even begin. It is in my best interests and I simply will not tolerate the wasted time. I am sure it will make me seem unapproachable but having known boundaries is just an honest assessment of what I am willing to spend my time on. I’m old enough to figure some shit out, I think.
In any matter… I will return to report my successful triumph over my last debt and where I plan to go next.
Just a couple weeks left… Grind on.