There will be good days!

If you’re on this debt journey, you’ve faced some difficult days and some big worries. I know how you feel. Really, I do.

But today I write to tell you that your hard work and soul searching will pay off. Today was a good day. One of the best in fact. I can say with some confidence (the only certainty in life is uncertainty after all), that I made it through and I’m better for it and so will you be.

It’s so true that everything happens for a reason. I was a spender. Now I’m a saver. I’ve done more with less than I knew that I was capable of and now I have more. More sanity, more balance, more certainty, more confidence and more calm and for today at least, more money in my bank account.

Ironically, it’s not even about the money. It’s about owning up to the problem, seeing the tunnel, seeing the light at the end of the tunnel, thinking it might be a freight train, but walking through all the same. Turns out, the other side is a warm spring sunny day in the Shuswap. The snow melts, the birds sing, the sun warms.

There are two sayings that have kept me going. First “If you’re going through hell, keep going” and second “Everything will be okay in the end. If it’s not okay, it’s not the end”. Please. Keep. Going.


Week 3 – Recap

Three weeks into 2014. This is about the time we start to give up on our resolutions. Be brave. Keep going. It’s already working. Promise yourself you’ll try for at least the month of January. Ironically, today is said to be Blue Monday – the most depressing day of the year – so prop yourself up and resist the temptation to give in. Don’t let Blue Monday get to you.

Act 15 – Laches Pas!
Posted on January 16, 2013
Don’t give up. Ever. 

Act 16 – Find the “i” in Gratitude
Posted on January 17, 2013
When things go your way, take time to find some gratitude. It makes life sweater

Act 17 – Talk to the moms
Posted on January 18, 2013
The moms, or whatever you consider your circle, are great resources for tips and ideas. Reach out. People want to help. 

Act 18 – When life gives you stale bread, make yummy croutons
Posted on 
January 19, 2013
I kid you not, I saved at least $100 last year by taking stale bread and making my own croutons. It’s easy. You’ll never look at a box of croutons at the grocery store the same way again. Ever. 

Act 19 – Go with the flow
Posted on January 20, 2013
Not everyone will share your determination and, dare I say it, obsession with your debt defying acts. Go with the flow. Your debt is an issue, yes. But it’s not the only issue, not by far. 

Act 20 – Live small
Posted on January 20, 2013
We’re obsessed with big, are we not. Small is cheaper. Smaller houses, smaller cars. Just smaller. You might find you’re spending big mortgage dollars on a house full of rooms you rarely use. Something to think about. 

Act 21 – Go ahead. Ask.
Posted on January 22, 2013
Leverage your business relationships. Reciprocity is important in business and as the owner operator of a household, you are a defacto business owner. So if you need a little something extra from the people you do business with, go ahead, ask. Won’t hurt. 


Act 15

Laches Pas!

That’s French for “Don’t give up”. Somehow it has more authority in French. As if Yoda himself appeared and ordered you to give up not.

This is of particular interest to those of you, who like me, are self-employed. There are tough days. Today was one of them. Actually the 15th and 30th of any month are tough when you have payroll to meet and/or remittances to submit.

At the same time, I watch in despair as the business media discuss the merits of our Government setting aside 400 million dollars for the venture capital industry to help them and the new starts up for whom they want to raise funds, through a “difficult” period.

Existing small business represents 98% of the Canadian economy. And very little is “set aside” by our Government to assist the real economic engine of this country stay alight.

So, back to me for a moment. I had a situation to address today. An overdue expense resulted in my firm being in danger of losing a job that would have gone a long way in addressing overdue expenses.

But fear not, a quick phone call and calculation later, the situation will be resolved and the opportunity will put me back on track. Silver lining, if you will

A year ago, this scenario would have gutted me. The sheer shame of the situation would have persuaded me to pack it in. But I’m past that now. I can’t afford the drama. I have work to do.

So if you face a seemingly impossible situation, get out your calculator and get on the phone. It can be fixed.

Most honest creditors will tell you that what they really want is to keep in touch and work towards a solution. The money itself is not the issue. So get in touch and work towards a solution.

Then get it done and move on. Don’t give up. Ever. There are too many people counting on small business to walk away now.