Sled Dog Skippy

Warning: This post contains very angry ramblings and call for Financial Revolution

I just found out yesterday that we can’t buy a house. We had one all picked out that was just right for us.

So I do realize that there is a reason for why we weren’t able to purchase the cutest. house. EVAR. I always tell myself that and I’m always right–there is a reason for everything. Even if it seems like I am totally just getting absolutely shit on, I’m going to learn something or another door will open for me. It’s hard to keep convincing myself of that when the shit is landing on my head, but after almost 2 years of shit and it all EVENTUALLY working out, I have little reason to ignore the evidence.

The reason we weren’t able to buy the house was because our wage versus debt ratio was too high for last year. We took huge pay cuts for 2009 (even though we were making way more money than we had in 2008 as dog handlers) and the amount of money we poured into student loans, car payments and credit cards was a lot. In fact, it was really refreshing to have a loan officer we worked with last year (almost exactly a year ago) tell us the amount of debt we have now is MUCH lower than the amount we owed last year. I was really proud of us for paying so much off. Sure, a lot of months we barely made it and paid only the minimum payments. But towards the end of 2009 when we were more prosperous, we shoved a lot of money towards our debt. And it paid off. Just not enough to buy us a house. Wah wah

“Buying a house is like riding a rollercoaster,” my friend Sarah told me. Yeah, I LOVE rollercoasters. The one I was on was not fun at the end and ended up being out of order. I cried. That’s okay. I’m getting more and more fed up with the “Be happy all the time or you are dysfunctional!” way of thinking that our culture is obsessed with. That, to me, is total and utter bullshit. The reason we are so obsessed with being happy is because well, we think if we ACT that way, then nothing is wrong. How messed up is that? That is not true. That is what delusional thinking is all about and I’m not about to be delusional. I’m certainly not advocating for all of us to wallow in self pity and despair when we face disappointment, tragedy, or trauma. What I do want is to DO something about it. It’s not enough to just say you are happy you must take action to BE happy. That action taking part is really hard for a lot of people because there is fear of risk, of failure, of doing something different. BE BRAVE FOR YOUR OWN MENTAL HEALTH! Okay, I’m done with this part of my rant. Basically, here is my thought: I can’t just keep saying it will all work out. I have to work at it. I have to keep up with the Voltron Project and pay off a lot of debt as fast as I can. I have to sock away money in savings. These things will be hard and my lifestyle is going to have to stay the same or I will have to spend less, even though Ryan’s business is EXPLODING and he is doing really really well financially. It will be really hard to turn off the shoppies and vacationies, but it has to be done because future stability is a priority. Right now.

Anyway, this is my rambling way of saying: get out of debt. Be free from this weight that holds you down and does not allow for real financial freedom. Don’t buy a new car if you can’t afford it. Don’t try to buy a house if you already have a plan that would say you SHOULDN’T until you pay off your debt. Get those credit cards paid off. Push more money towards your student loans. I know, I know, you are saying: “But I’m part of this shitty system that keeps me at a low wage! I still have to pay rent, buy groceries and gas, child care, etc, etc.” Yes, you have to survive. Are there more creative ways that you can do that? Can you have a roommate, carpool or be car free? Can you not eat out for a year in order to push all that money towards your high interest credit card? Can you trade childcare or ask a family member to help you out for a certain amount of time? Can you simply ask yourself before purchasing something, “Does this thing help me reach my greater goal? Will it mean something later?” Yes, it is scary. Change is scary. Being different is scary. But it is trying to be like everyone else that has gotten me, personally, into this mess. I felt I had to have a certain lifestyle, to compete, or even be better; that made me spend money that I didn’t have to spend.

We have to stop thinking this way. This madness, this obsessive zeal for instant gratification, is what is destroying our planet and economy. Spend, spend, spend, consume, consume, consume. It doesn’t work. It isn’t sustainable. It isn’t healthy, mentally or physically. It is NOT REAL. Again, I’m not advocating for all of us to live in a cave and have nothing. I’m just advocating for us to stop this delusional thinking of “I buy, therefore I am.” I am what? Happy? Normal? Well-adjusted? Hardly. Work to change this crazy way. Change for something better, for yourself, to be your true self, for the planet, for animals, for all the other humans who have less. Do not sacrifice what you want most for what you want right now.

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