Debt Free

This too shall pass.

The quality of your life should never be measured by or dependent upon your ability to repay a debt. Life happens, and as it does, you are meant to enjoy it, learn from each experience, do your best, and then release things and move forward.

The stigma of financial debt in our culture and society is overwhelming. Judgment lurks in the shadows, especially the shadow of self-judgment. There is no shame in where you are and what you are experiencing. Allowing it to prejudice your life, life experiences, and relationship to and with your children is the culprit.

Play by your rules, not everyone else’s. Earnestly assess your circumstances and then select the course that best allows you the ability to live more fully. It may be “easier said than done,” until it’s not.

Only by not making these tough decisions or by repeating the same actions, do you commit yourself to repetitive harm, strife, and struggle. No one can or ever will walk in your shoes. What may be right for others may be entirely wrong or impossible for you. The point is to investigate your options. Leave no stone unturned. Find a resolution YOU can not only live with but thrive in.

Should the amount of debt you currently hold, brought about by the birth and health of your two children, far exceed your ability to repay it, then you must do right by you and them and seek to eliminate the debt in its entirety. Yes, there are ramifications associated with these actions, however, so too is there a high price to be paid for attempting to repay a debt that will take you a lifetime and beyond to satisfy.

While it is indeed honorable for you to want to repay your debts in full, and you should always strive to accomplish this obligation, it is not always possible or realistic. Look into all the avenues available to you such as a GoFundMe campaign, debt consolidation options, loans or gift of funds, a negotiated reduction and settlement of your outstanding debt with new payment terms, or various forms of bankruptcy protection.

Of equal importance, is to recognize your responsibility in the accumulation of this debt especially if it were based and accumulated on desire versus legitimate need. The path to recovery may occur via the same avenues outlined above, however, in the latter instance, not repeating the actions of the past carries greater importance, accountability, and responsibility.

Relief of debt should not be taken lightly and nor should it become a revolving door of accepted practice. Again, life happens, and that’s okay, just always operate with integrity.

Clearly something has got to give, and it need no longer be your happiness, livelihood, stability, self-value, or self-worth. Far better to teach your children the value, courage, and strength associated in starting over, than continue the example created by feelings where you believe you have no options or way out.

Having options, you need only choose the option(s) that lead(s) you to greater circumstances.