Don’t Let Your Debt Kill Your Social Life

One of the hardest things to manage when money is tight is your social life.

Friends call, they’re all going skiing on Saturday. You love to ski. The weather is perfect. The snow is ideal. Whiny Pete isn’t going. Your wanna-BAE is. This is must-do!

Your kids have been talking about a trip to the trampoline park for weeks. All their friends have been. It would sure get them off their butts for an afternoon. And they’ve been so good lately. Gotta do this!

Your wife’s birthday is next week. You know she’d love that new sushi restaurant. And it’s on a Friday, so you can really make a night of it. It’s for her.

Every day brings with it choices about how we’re going to spend our money. And the hardest things to say no to are always the funnest. Here’s some tips on sticking to your guns.

Focus On The Goal

Life won’t always be tight. In fact, without the cost of debt, you’ll free up more ‘fun-money’ than you’ve probably ever had. Sure you’ll be responsible and start your investment and retirement funds. But there will be fun in your future – only if you follow through with the entire plan and get yourself standing on a rock solid foundation.

Get Your Peeps On Board

Tell them what’s going on. You really want to do these things, but you’re working a plan. Things have been going a little sideways, and you’re working hard to get them back on track. Ask them to keep you on the invite list for the future – you’re in, you’re just a bit picky for now. Explain the program to the kids. Get your significant other to partner up with you. You don’t have to give details and numbers. But chances are, they’ll understand.

Research Cheaper Options

The Internet is a wealth of information. Use it to find less expensive options, alternatives, and ideas. Kids love nature. Parks and picnics can be incredibly romantic. And there’s almost always a coupon or deal to be had.

Living in debt can be frustrating and defeating. But it doesn’t have to be. With a little imagination and compromise, and a healthy dose of determination, you can create some of your best adventures.

And feel free to share your suggestions in the comments. Ideas are gold!!


Help for PHSS – Post Holiday Stress Syndrome

And so end the festivities of yet another Christmas/Holiday season.

Happy New Year to all and best wishes for a stress-free and prosperous 2012!

Watch here for tips and ideas about how to minimize debt and maximize your efforts. As the bills start to trickle in from the last month, many of us will be faced with the reality of some over-spending.

Don’t fret – check back here at for some timely and useful advice. You’re not alone. There is help. Been there, done that. More than once.

There is life after debt.

I Paid My Bills And There Is NO Better Feeling!

It’s been a long year of change and challenge for my family.

Not the least of which has been taking the next step in our financial health. Our history with debt has, to this day, left us unprepared for retirement. And while that may still be more than a quarter century away, it worries me greatly.

And so, we have taken on the challenge of investing in our future, weighing risk against gain and working with our professional financial advisors to secure our retirement years.

Our first step was not to have our debt (once again!) paid off. But to have it all in good standing. We have – and likely always will – carry debt. However, when what we owe is manageable, within our means, and under control, it is not the stressor that it once was. The difference now is that we are learning to include ‘good’ debt – debt that will get us ahead/pay for itself in the end.

We are now in a new realm of financial health where our investments must be managed along with our budget and spending. There are new columns in my ledger that I must master. It’s been a very intense lesson these past six months as our plan was put into action and took a big leap of faith.

My point is, that adjusting to these significant changes in our situation has, in the end, taken about a year. My budgets and plans of the last twelve months evolved into what we now see as a ‘new normal.’ But I understand now that this is all a ‘process,’ not an ‘event.’

I am excited today, because, as of this week, after throwing our entire financial picture into a shredder and trying to piece the whole thing back together, I not only balanced our budget, but paid the bills, have caught up on payments so that the money is securely in the bank before the bill arrives, and reduced my monthly financial ‘to-do’ list down to one page.

This is nothing short of phenomenal and I am feeling the pride!!

The stresses of past bad debt remain with me; I think they always will. I still panic when faced with a phone call from a creditor. But what a difference when one calls to tell you you are now seriously in arrears on a monthly payment, and you KNOW that you’re covered. When the conversation starts with, “I paid that. What went wrong?” you are blanketed in a feeling of confidence and relief that debtors seldom experience.

How utterly wonderful to hear, “You’re right Mrs. Brown. It looks like the payment was credited to your other account. I’ll just transfer that over and everything’s straightened out.”

(Long, luxurious sigh.)

I love being in control of my finances.

I’m not rich.

I’m still in debt.

But I am in control. And there is no better feeling.


If you would like to benefit from Stacey Brown’s personal debt experience to assist your own recovery and to avoid some major pitfalls along the way, you can purchase her book online by clicking here.

Or click here to learn more.