Approaching familiar freedom.

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.

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