Shoeaholic No More



June 2014



Getting out of Debt is Hard

Written by , Posted in Money & Finances

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Getting Out of Debt is Hard *NEWS FLASH* Getting out of debt is hard!

I’ve been loving Hayley at A Disease Called Debt‘s series “Debt Success Stories” and felt particularly inspired by Richard’s story, where he says:

“I spent too long thinking about and talking about getting out of debt. Mainly because it’s hard and requires some serious commitment – and at least at first I didn’t have that. But sooner or later you’re going to have to face that demon. So the sooner you get started the better.”

I too spent quite a bit of time thinking about setting up a budget and thinking about trying to get out of debt. How long? Hmmm, like several months. I knew I was deep in debt back in the spring of 2013, but I kept ignoring it.

Why’d it take me so long to decide to go for it?

Exactly like Richard says, getting out of debt is hard and I didn’t have, and I still don’t sometimes have, the self-discipline to stick with it. I still have weak moments and tough days where all I want to do is give up and eat out, or go shopping and put it on my credit card. But sooner or later you have to face the music.

Last September, I knew I wanted to start getting out of debt. I thought about it a lot and I started reading lots of PF blogs. I was fascinated reading about how people started their journeys to becoming debt free, but I didn’t actually take action until December, when I started my blog and made my first ever budget.

I think it’s especially hard to try to get out of debt when people around you seem to be able to do whatever they want with their money (even though it’s fully possible that they are in debt too, they just aren’t facing it like you are).

I want you all to know that I think about giving up almost everyday frequently and some days I do give in to my shopping monster, but I’m trying to just keep going. If I don’t get out of debt myself, it’s not going to happen. There’s no magical fairy to pay off my debts for me. I got myself into this mess and I’m going to get myself out, one day and one dollar at a time.

Do you think getting out of debt is hard?

Photo courtesy of: Chris Potter


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Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.


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