How to Get Yourself Out of Dumb Debt... I Hope

Confession: I am still a bit swamped in my dumb debt. I have not gotten myself out of it yet, but here I am, proclaiming to the world that I have been an idiot with my finances in the past (and present) and it is high time I gave myself a public shaming.

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It would probably make sense if I first explained what I consider to be "dumb debt". I'll start by explaining what I consider to be debt that is (usually) reasonable (there are exceptions to every rule): student loans, car payments, medical bills, and your mortgage. Dumb debt is most everything else.

What Is My "Dumb Debt"?
For me, most of my dumb debt is still related to my early years of "independence" when I got my first credit cards and thought I could get away with paying for most everything with them, including occasional trips across the country with no real purpose. Other forms I've incurred are the "I thought I could afford to pay just that much more extra on this bill, but turns out I can't do math" debt that actually puts you further in the hole than you started. The shit that turns into a truly vicious circle.

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Personal Goals to Accompl.sh

Just over a year ago, I wrote a post about a list of 101 things I wanted to accomplish in the following 365 days (this original list can be found here). The website for this was originally called 101in365.com, but has since been renamed Accompl.sh. I actually quite like the new name! In any case, I did not complete all 101 items, but did knock out exactly 51 of them. A number were also in progress and partially completed, but others were not at all.

Before continuing, I'd like to give you a little bit of insight into this project. Before the name change, the tagline for the site was, "Avoiding mediocrity one to-do list at a time", which I found brilliant. Jenn, the creator, has brought it into a slightly different realm. Instead of limiting users to lists of 101 exclusively, she allows you to set the length of your list and lock it at whatever size you desire. In Jenn's words, "Accompl.sh harnesses the power of the social web to support personal growth. Its mission is to create a place where you can develop, track and share your goals over the course of the next 365 days and beyond by providing the tools, network and support you need to accomplish great things!" I loved the concept of 101 to-do items, so when I built my new list, I made sure to come up with that number once more.

In creating a new list, I had to take a hard look at my original list and think about why the items that were not completed were left in that state. Some of them were very simple and I should have been able to accomplish them in no time, for example, "98. Post reviews of books I've read on Goodreads". This maybe would have taken me an hour. I could have taken more time and posted even more than a few or reviews of the books already in my Goodreads account. But it would have taken little time. Unfortunately for me, I was lazy. And that sucks. Because I know I could have done this easily.

A Recurring Theme

I know I've done this before, but I always seem to come back to it. I think it has something to do with the fact that things never seem to get resolved. Or maybe I just can't seem to exhibit enough patience to allow for a real resolution to come about.

Most likely, there is just no such thing as a "resolution" to the way my life works. You see, I can't help but be preoccupied with the status of my love life, if you will. This is not to say that I feel the need to jump into anything. I just feel like it would be nice to get back on the horse and have some kind of legitimate... something. I'm not entirely certain. I'm not ready for anything serious, but I'm getting tired of being so lonely and, when I'm not totally lonely, I feel like my options are, to say the least, limited. Not always in a good way. In fact, usually not.

I went so far as to spend months thinking to myself that, while my options seemed many and varied, my actual possibilities were few and far between. Overall, a pretty cynical outlook. I like to think I've gotten a bit more optimistic (though I admit, it hasn't been much of an improvement).

A Little Discussion of my Goals

I let things get in my head way too much. Little things that don't necessarily mean anything will drive me crazy and morph into wild situations where people despise me and all they want is to be rid of me. Sometimes I find there's an inkling of truth to my insanity, but that it isn't accurate in that crazy way I let it get in my mind. That place where I'm 10 years old again and running home crying because I literally have no friends.

Like I said. I let things get in my head too much.

Just yesterday, I got a fortune cookie that told me, "You will make a change for the better." I think that this 21.5.800 project could be the key to that. I want to use it as time to be introspective, to really assess myself, and to work toward improving myself physically, mentally, emotionally, and spiritually. So I think that this time, for once, my fortune cookie will prove true.