When You Stop Normalizing Debt and Start Normalizing Paying Off Debt

A coworker just busted into my office yesterday with the biggest smile on her face that I have ever seen.  Her credit score just went up from 600 to 700!!!  She explained that her goal is to pay off all of her debt, $5,000 in total, this year.  She desperately wants to have an excellent credit score.  My coworker even explained her process of negotiating with collection agencies.  A concept that I never thought about.  Naturally I asked her a whole list of questions and she excitedly answered each and every question. 

Interestingly enough, I’m not very close to my coworkers.  We don’t hang out after work.  We are pleasant and kind and helpful with each other.  But not the type of coworkers that hang out together outside of work.  While only Mr. BMM knows who actually writes this blog, I smiled to myself after my coworker left my office.  Maybe, just maybe the little bits of information that I do share with others has helped to normalize the process of paying off debt. 

white printer paper on red textile

Why is our society all about showing off the things that we have but not the debt that owns us?  Society, the media, and Hollywood are all about showing off the things.  Things that will make us better, skinner, happier, healthier, and more.  Rarely is there a message about paying off debt shared by society, the media, or Hollywood.  Yet so many people spend countless hours watching the media and Hollywood tell us which products or things we need to buy.  It’s like the underground media, the blogs like Beautiful Minimal Millennial, which show us that there is a different way to live.

Living a simple life does not mean living without anything.  Simple living is all about living with intention.  Being a minimalist does not mean that I only own one fork or that I live a life like a Monk.  Living a minimalist life means that I only have things that I use, need, find beautiful, and that support my life in my space.  Debt does not check a single box.  I don’t need debt.  I certainly don’t find it beautiful.  I hate that it takes half of my working hours to pay off my debt. 

How do you normalize paying off debt?  I usually start with complaining about student loan interest rates.  Then I go on to explain my plan to pay off my student loans once and for all.  I share the news that I paid off my car and comment on how hard it was to make that happen.  I work hard to pay off debt not because I am rich.  I am paying it off because I want to be financial independent. 

To my happy coworker – I’m proud of you!  Congratulations!!!

If Only I Didn’t Have Debt…

Paying of House Debt in Less than 5 Years

Is There A Difference Between Financial Incentive And Ego?

4 thoughts on “When You Stop Normalizing Debt and Start Normalizing Paying Off Debt

  1. My coworker is taking some extended leave because they are about to pay off their mortgage. I was really excited for them, but noticed that it didn’t generate the same level of office conversation as buying a house (and entering into debt!) might

    Liked by 1 person

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