So many people don’t bother pursuing debt freedom because it seems like such an absolutely impossible achievement. If this is you, you might need to take a lesson in perseverance from Jim Carrey’s character in the movie classic Dumb and Dumber.
In this classic movie, Lloyd takes a one in a million chance and goes after the girl of his dreams.
The outcome of his journey isn’t important here. What is important is that no matter what the circumstances look like, Lloyd continues to move forward in perseverance.
A Chance is Still a Chance
Likewise, those struggling with a debt load that seems overwhelming and impossible to beat need to keep one thing in mind.
Every step forward is a step in the right direction, and every dime counts on the journey to debt free.
When we were struggling with a 65% debt-to-income ratio and were $1000+ short every month for paying the basic bills along with our debt, many thought our situation was hopeless. WE thoughts our situation was hopeless. The word “bankruptcy” came up several times, but we just didn’t feel like it was the right thing to do for us, even though the numbers clearly suggested otherwise.
Our journey out of debt started slowly. In the first year and a half we paid off ten percent of our consumer debt. Then we had some family crises and went way, way, way backwards, over doubling our consumer debt numbers.
If we thought things were hopeless before, we were certain they were hopeless at the end of our family crises.
But we decided to take that one in a million chance and begin again in our journey to get out of debt.
The second leg of our journey began sooooo slowly. It was just about getting through the month in the positive. And then little by little the debt numbers began to drop.
It was tough, and we felt like we were doing SO much work and seeing so little progress. But we kept in mind that we were winning, if only because we had less debt than we did the month before.
Now things are smooth sailing and our journey out of consumer debt is coming along famously. Soon I’ll be able to share the details, and tell you how we went from “one in a million chance” to totally consumer debt free.
And the thing about your “one in a million” chance to become debt free is that it’s not like the lottery or some other long shot, because you control the odds. You can choose whether to keep moving toward debt free or to give up. You can choose a slow journey, or a “no” journey. And the interesting thing about choosing the slow journey over the “no” journey is that once you get started and choose to keep moving, things seems to have a way of speeding up.
If you’re feeling like you only have a one in a million chance of ever becoming debt free, please don’t give up. Take a lesson from Lloyd, persevere and be proud of the fact that you have less debt this month than you did last month – even if that “less” is only $10. Or $1. Forward progress is what counts. Celebrate every step of forward progress and keep taking those steps until the debt number is zero, no matter how long it takes.
Have you ever had a “one in a million” goal?