When you’re young you have no fear, you can charge at anything, do anything, be reckless and not think twice.
As you get older, however, time, experience has a way of instilling and imparting wisdom to you that such actions are . . . unwise and ill-advised.
I have been living paycheque to paycheque without any savings whatsoever for my entire working life (thusfar). Let’s just say that’s been a decade or three.
Now that I have been on this journey and particularly with this past year actually had that cushion of my savings, the thought of being without it is like skydiving with a tea towel as a parachute.
This month is particularly stressful for me as it means not only paying my Low-Interest Credit Card off (again) but also rebuilding my savings accounts to their mini um acceptable levels.
Even then, even if I have accomplished all that I would still only have a month or two before my savings would be depleted.
The thought of entering a phase of this journey where I give large wads of cash to a bank directly on the loan feels like throwing cash on a fire. Once you do that, you can’t get it back.
I am tempted to do what I did before, and just sock cash away until I have enough saved to pay the loan off outright.
I know that the best option is to just stay the course and trudge on ahead with this new plan, this new way of doing things.
Fear of the unknown and fear of operating without a safety-net does scare me. I will survive, I will be okay, and I will settle my nerves. I am nothing, if not adaptable and survivable.
As always: Keep your head up, your attitude positive, and keep moving forward!