Debt can ruin your life, your relationships, even your health. So why do we happily take on so much unnecessary obligation?
I live about half a mile away from some of the happiest people I have ever met. A community of several hundred farming people, who live almost entirely off of the land. They have simple, comfortable houses, horse drawn farm equipment and vehicles, they go to church on Sunday and put God, not mammon, first. They look, live and dress like the folks from the Little House On The Prairie. They are of course strict Mennonites.
It is very interesting to get to know these people. They marvel at all the “stuff” we clutter our lives with. They believe that the less “stuff” you have, the happier you are. I wouldn’t want to live as they do, without modern conveniences, but I wouldn’t want to live in the richly outfitted home of a person laden with debt either. My Mennonite friends are happy people, who sleep well at night, and who live long, healthy, productive lives.
So before you buy the next useless trinket you saw on TV, think hard about the debt you are acquiring along with the bauble. If debt rules your life, then it is time to think about ways to consolidate debt including seeking out the services of a debt counselor for your debts, try to get them reduced, and work with you to pay them back. Take a step back from your life as you do so, and learn better spending habits – you’ll be surprised at the change you can make in your life.