Debt Free(dom)

cutting up cardLike a recovering alcoholic sampling the taboo taste of a beloved beverage, I handed the cashier my plastic. The ease with which I did so, accompanied by my effortless smile gave absolutely no hint to the hesitation lurking just beneath the surface. Though the purchase was justified and the actual money in the bank, there was a tiny place inside of me that still remained uneasy.

Once you’ve climbed out of the deep, dark hole of credit card debt—finding yourself back in the black—the former aches and pains of actually digging that hole occasionally come back to haunt you. I am not proud to admit that I was in debt — having only recently brushed the remainder of that dirt off my less-than-stellar credit report. But I am relieved to say that those days are behind me.

Sifting through stacks and stacks of old mail over the weekend reminded me of those darker days. Except that while I was living them, I technically didn’t know they were “darker.” It would be awhile before I actually realized how deep I had dug. I was in fact, living it up back then! I was happily buying new furniture, clothes and shoes, paying for manicures, pedicures, salon visits, gym memberships and housekeeping services.

A close friend did occasionally ask me whether or not I should be spending so freely. But I brushed it off as them being too “conservative” with their own money and “fearful” of bad things that would “never happen.” I was gainfully employed, single with no dependents and the proud owner of a seemingly endless supply of credit. It never occurred to me to be concerned because I was always able to keep up with the payments. If I could pay the bills every month, then this was all stuff that I could afford. Until it wasn’t.

Being young and stupid, I never gave much thought to all of the uncertainties out there. I’d done my homework, gotten a degree and been blissfully employed since graduation. Things like personal illness and the company you work for going under weren’t even on my radar. Until they were.

Back then—during this hedonistic time of living like some kind of entitled Hilton or Kardashian—I fell ill with a serious case of pneumonia. On top of that, just prior to the pneumonia, I’d left the security of a lower paying government job to accept an exciting new position at a rapidly-growing publishing company and had zero sick leave in the bank. On doctor’s orders, I missed an entire month of work and wages. Suddenly making those bills was a little bit harder.

And then the “rapidly-growing” company folded. Making paying those bills all but impossible. I managed. I didn’t file for bankruptcy or anything, but I did have to move 2,000 whole miles back east to live with mom and dad, working a minimum wage job until I could find a better one. Going through the ancient mail was like watching a train wreck in slow motion. First there were the bank statements, bills and invoices… a.k.a. Evidence of All the Fun. Followed by a trickle and later a heavy stream of medical bills, debt consolidation packages and various hand-written notes of lists I’d made inventorying all of my debts and monthly bills.

But it was good for me to see how the entire ordeal had actually unfolded. What started out as a simple housekeeping exercise wound up being a true moment of reckoning. I’d often wondered, through the years, as I struggled to pay down the balances on these debts: How did this happen? How did I rack up all of this debt? And now I know. I can see it all from a distance. It was as though it had happened to someone else… because in a way, it did happen to someone else. I am no longer that person.

Thanks to the support of my parents, a couple of really good friends and an extremely fiscally responsible soon-to-be husband, I am learning the value of having money IN the bank before I have any fun with it. I still love furniture, clothes, shoes, salon visits and travel and I would LOVE to pay someone to do all of the unpleasant, laborious tasks that accompany adulthood. But since I’m neither a Hilton nor a Kardashian, I’ve lain to rest my Visa Gold & Mastercard shovel and am enjoying the freedom that comes with “living it up” — within my means.

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Flying Lessons

When you come to the end of all of the light that you know and step out into the darkness of the Great Unknown… Faith is knowing that one of two things shall happen. Either you will be given something firm to stand on, or you will be taught to fly.

personal-flight-attempt-1

I can’t remember the first time I heard this quote, but I have loved it ever since. It comforts me to be reminded that things always have a way of working out. It may take a while to comprehend what is happening or why, but eventually understanding comes. Hindsight is 20/20, they always say. In the meantime, during those darker times, those murky times, those uncertain times it is important to know that things won’t always stay that way.

Easier said than done. I know.

I personally prefer the first scenario given, that I will be given something firm to stand on. If something I can feel beneath my feet is good, then something solid and immoveable—something firm—is even better. It is the flying part that I have trouble with because it does not come naturally to me. In fact, unless you’re a superhero, it doesn’t come naturally to any of us. But sometimes, flying lessons are the only option we’ll be given. No less. No more. And that can be scary because it not only requires endless patience, but trust as well.

For months now I’ve found myself sulking around in one of those murky places… waiting to see if I’d be graciously given something firm to stand on or shoved headfirst off a cliff and forced to fly. In more specific terms, I was waiting to see if the company I’d been working for (on a contract basis for the last five months) was going to welcome me into the official fold or choose to go in a different direction with another candidate.

I equated getting the job with a great big slab of granite. A vast, strong, solid piece of property to stand on which I could call my very own. I would carve my name in it and decorate it with potted plants and adorable picture frames. Conversely, I equated NOT getting the job with flying… blind… in a hurricane… without a parachute or floatation device. Betcha can’t guess which one I’m doing right now?

Yup. I’m flying. But miraculously, it isn’t the death-defying, teeth-chattering, knee-knocking, goose-bump-inducing terror trip I was expecting. It is so bizarre. Sitting in the conference room, on an ordinary Wednesday, I knew from the look on my boss’s face that I was not about to hear the news I’d been hoping for. And I’ll be honest, I was crushed. Hot, fat tears splashed down the front my favorite periwinkle sweater the entire drive home that afternoon. That evening I cried so hard I gave myself a migraine. In fact, I cried so hard my teeth and gums and eye sockets hurt.

But when the sun came up on Thursday, I was over it. By Friday I was even MORE over it and when I agreed to stay on another week and showed up for work at the very place where my services were no longer desirable, I was completely over it.  No leftover attitude. No residual bitterness. Just peace, calm and contentment. I’m not exactly sure what happened… other than the distinct possibility that although I am flying, it is not without a net. 

You see, while I’ve been wading around in fear and uncertainty, worrying and fretting  about the unknown the last five months — my soon-to-be-husband, family and friends have been weaving a pretty tight mesh beneath me. Making it clear to me that even though there is no giant slab of granite beneath my feet for TOMORROW, being angry or bitter takes too much energy away from the things that I have TODAY.