I’m not ashamed to admit that I was afraid to deal with our money problems head-on before our rock bottom moment that put our family on a path to debt freedom. My fear was real. I was concerned about what others might think, that we’re not supposed to talk about our money openly, and most fearful that we couldn’t survive without a credit card safety net.
I knew for several years leading up to maxing our five credit cards that we needed to make a change in our money behavior, but we pressed on, overspending, head in the sand because we were afraid to do something different. That fear kept us in our bad habit cycle because it was comfortable, it required little effort, and honestly, we were not ready for a change yet.
So when I receive reader emails asking for help, I understand what an essential first step it is to overcome that fear. I’ve been there. What I can’t quite figure out, is why my replies often go unanswered. I can only assume, like us they just are not ready yet. But you know what they say about assuming.