Just shy of 3 a.m. and I'm determined to make efficient use of a restless mind, instead of staying in bed in the vain hope I'll fall into sleep, while the wind blows, my man snores and the full moon shines bright through the cracks in the blinds.
Tonight I read the first five chapters of Dave Ramsey's book on making over ones' money - per the recommendation of my sensible youngest brother - and although I skim the 'praise the lord' parts, my brain crackles and sparks with the possibility of a different relationship to my financial circumstances. Ramsey emphasizes that debt is not a tool - though in regards to buying a home he concedes it can be a necessary reality - in 180 degree opposition to the attitude of the vast majority of the US population. Most of us were trained this way, through relentless marketing, 'need it now' impatience armed with plastic, or general ignorance. I know, I'm a frustrated and indebted citizen: college debt, credit card debt and car payments. Besides that, at present my husband and me are in seasonal unemployment, which adds to the excitement of juggling funds to pay all our bills. Sort of like tossing around knives when you haven't quite learned how to negotiate apples and oranges.
We've both been followers of a summer work/winter work pattern for more than a decade, because we both believe in the philosophy that you might not arrive alive in time for retirement (at least not in good enough a state of physical fitness that we can play as wild of games as we like: ski, bike, hike, raft, etc.); live it while you can. We appreciate its challenges more every year, in particular when our savings diminish quicker than the next cycle of work arrives. Recently, this way of being has become tempered by other desires, too, the ones that more forward thinking adults appear to take for granted. A home, one to call our own. Possibly a kiddo or two, if that's what fate and biology determines. A mattress stuffed with cash, wait, I mean a retirement savings. No debt, an anchor to slow us down and potentially pull us under.
No debt? A life without debt has become the promise land, but seems as far away in this bleary eyed and moonlit moment as Avalon. No matter, I believe it to be a worthy journey, and like all distant destinations it can be attained given persistence and patience.
Traveling on a budget is a skill I've already acquired, and since I lack others related to money, it's time to go back to school. And this round I'll "just say no" to student loans. Tomorrow, I sign myself up for remedial Adulthood 101, focus on financial responsibility and financial consciousness, and I'm going to master it, previously but no longer allowing my finances to be the boss of me. The moon, on the other hand, reigns supreme.
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