Tag Archives: debt free

I washed my car yesterday in 40 degree Minnesota cold and then I ate some Ramen Noodles, it cost me nothing and saved me a lot more

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Even notice how a boat with a few holes in it sinks over time and it becomes more worrisome the farther you are from land? I do. Now place this image of a boat sinking on your financial situation. You lose a dollar here, ten over there, $2.50 on that one thing; the boat is your bank account. That boat is sinking slowly and you are out to see, sharks, such as creditors, banks, and lenders are following in the murky deep. We almost sank again, but this time I told my wife instead of paying for a car wash I would do it myself. Watch.

Yesterday day came and went with a car wash in the 40 degree Fahrenheit warm of St Paul, Minnesota. I think people looked at me as though I were crazy, carrying buckets from my basement to splash and lather a car I cannot afford on a side street. Yeah, I feel pretty dumb leasing it, though the lease is up in less than 20 months and we will be on to something new. The whole time I polished this machine I thought of how stupid it made me feel, to live beyond my means. People watched that spectacle, another Subaru driver waved, my neighbor sold a beater and asked me how my day was. Great! Beautiful day!

And that is why I eat Maruchan ramen noodles and rice. (With a price tag of under $5 for a number of meals I can consider myself winning.) SO, imagine now your boat sinking, money floating away, those sharks behind, empty fridge at home, wife wondering what is going to happen, and then $10 is about to go away for a car wash that leaves you wanting better. Yeah, and that car is parked in the garage losing value, begging for insurance to be paid–the expensive kind. I can get a bit cold and wet outside on such a nice day, save us money, buy us time. My debt snowball is about to be rolling, debt avalanche.

After all this, I learned something. If you can’t get creative and do it yourself, it ain’t worth doing. And if your food restrictions do not work with your frugality or goals towards financial fitness, you may need to think about your goals. Because, how I see it, you can either be gluten free or debt free, I know the gluten is asking me to buy their beach house on credit, but that’s just my opinion.  That beach house is where those debt institutions are watching your boat sink slowly from afar, thinking about monetizing your financial death on YouTube (which is another story), so they can earn more.

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97% of American Millennials can be completely debt free in less than 8 years by doing one simple thing, here’s how…

Have you ever woken up and thought that you could actually be debt free, I mean, like, really debt free in your lifetime? No student loan payments, no car payments, no mortgage, no credit card payments… It probably feels like the “fuck-you money” kind of awesome, going from indebted-and-paying-constantly to just existing to peacefully nothing, to actual freedom. That is something. That is real. And how you get there is you set goals and get away from the news and social media. I am working towards getting there, mildly broke now but slowly and surely getting better.  You see, I am horrible at math but because reading a few books about personal finance and factoring with logic, I know I can be out of credit card debt, student loan debt, and all other consumer debt in 5 to 8 years if I just get focused and do. And you can too if you set goals and work hard and stay persistent in your endeavors. You can do anything you set your mind to. Imagine, taking the same amount of time you spend every day updating your social media or working with a movement for someone else’s goals and dreams or investing your time into reading ADvantageous to advertisers news, and putting it towards YOUR GOALS and YOUR DREAMS. You can do it with hard work and time, 98% of the time, guaranteed. Stop being distracted and focus on bettering your situation and in 8 years see how far you have come, 98% of Americans will have changed, hopefully, for the better.