Hey, lovely guys and gals. I've been thinking about debt lately.
Sunday morning, I started a conversation on twitter with a new follower, and his answers seemed a bit desperate. I don't mean that in a mean way, I just mean he seemed to have fallen in a hole of despair, and I felt so bad for this wonderful person!
Thing is, we all fall in those holes, multiple times in our lives. It's not shameful to fall, but it is a bit shameful to not do anything about it. When you let these things go on for too long, the whole thing becomes a shit show. (Trust me, I know.)
So let's see what we can do to prevent that from happening.
Let me tell you a story.
This is not about the fact I owe 10,000 pounds in student loans to the UK.
This is about the fact that I fell (it was a hard fall) into a similar hole after I graduated from University. Nobody was asking me for that money, but I had just graduated with no idea what to do next. I was living in a small town and job opportunities were nonexistent. Some savvy classmates moved to London to find work, but I was afraid.
What fell me was NOT the lack of opportunity, but my fear of seeking it.
One day I woke up with no money, no place to stay, and completely devoid of any hope for the future. Instead of going back home and announcing surrender, I figured out a way to stay in England until I could breathe and figure out my next steps. You see, fear doesn't have to immobilize you when it can just as well push you into action.
What stands in your way is not the lack of opportunities, but your failure to create new ones. (tweet this)
In hindsight, it was a mistake, but I learned a lot from it.
Anyway, my point is:
When you're in a hole, dig a tunnel.
Don't complain you're in a hole. Don't bemoan your lack of... whatever. Don't hate on the world or other people or the country. It is YOUR responsibility to dig yourself out of there, and if you can't go up at the moment, at least dig in some direction that's not down.
I am tired of hearing excuses. If I had lived my life on excuses, I would not be where I am right now. And if you think I had it easy, I have to burst your bubble - I spent years being depressed, penniless, and there was a period of a year when I was homeless and sleeping on friends' coaches while landlords repeatedly kicked me out.
Your life is what YOU make it. Not fate, not the world, and not anybody else.
So take responsibility for it today and dig yourself up. OK?
But how can I do that?!
I know what it's like to see no light anywhere. To have no hope for getting out of the hole. I really get it, but please, get this: Even without hope or light, you can still manufacture your own flame and feed it until it grows to be a fire.
You're more than capable of doing that! You're alive, aren't you? So if you have debt, you hate your job, and you're depressed, here's what you can do:
- Find a job that doesn't make you puke.
- Start it on the side, do it every time you have free minutes.
- Save as much money as you can from your side gig and your "real job".
- Don't think about the debt, its time will come.
- Take as many opportunities as you can for making more money, or if there are none around you, MAKE THEM. Get creative.
- Use the money to pay off your debt and invest in your future.
How many "paying off debt in 6 months" stories have we heard of lately? What makes those people different? They weren't afraid to dig and fight their way up! It is possible. It's also possible to be brave - it's not the absence of fear but acting in spite of it.
So what if you have debt? I have it, too, but I don't let it define me! I have put it in a little imaginary jar, out of sight, out of mind. This allows me to work my butt off so that I would not make 10K, but 100K, and then there would be no problem left!
If you let your debt define you, it will always hold you back, and you'll never be able to start living your dream lifestyle. Decide today how badly you want the latter.
And I'll tell you one thing: If you start your side hustle TODAY, you'll be closer to living your dream life one day SOON. And debt will be a faint memory. You'll be so focused on making things work, you won't have time to worry about anything.
I believe in you.
OK, I believe in everybody. You got me. :D
But YOU especially because you read this far. If you had dropped off half-way, maybe there would be no hope for you or maybe you're not a creative rebel. But the fact you got this far means that you DO want to fight and you just need the solution.
I have given it to you. For more details, read my free guide - The Creative Rebel's Guide to Starting a Business. (Anyone can do this. Anyone.) Once you read the first section, you will understand WHY you couldn't dig yourself out of your previous holes and HOW to do it now: by fighting your demons (a.k.a. your mental blocks).
Which brings me to something I've been thinking about lately. Most "work" you'll have to do to build your dream life is going to be mental. The true challenge isn't learning the ropes, but making sure you're not self-sabotaging.
Now comes the question:
Which road are you taking, my friend - the easy one (where you keep doing what your doing, make excuses, and bemoan your lack of opportunity) or the exciting one (where you jump into the deep and learn to swim as you go, getting closer to your dream each day)?
Answer in the comments, please. I'd love to hear from you!
And share this quote with whomever needs it: