Hand off some of the responsibility
It’s okay to share the chore. In fact, it’s important to.
This time of year we always have the expense of our ski pass. Now while you might think that’s a luxury, it’s actually a great deal. For $100/weekend, we all get to ski together every weekend. It’s great family time, good fitness and good fun. Much cheaper than hockey for one kid, truth be told. You just have to pay it up front. So I asked my husband to make the necessary arrangements and he found a way. I don’t have all the solutions. I just think that I do. But I don’t.
Lately I’ve been asking my kids for more help too. With dishes and laundry – it helps keep us on top of housework.
Even if we feel like the debt is all our fault. And I must admit that I do, it doesn’t mean that I have all the solutions.
It’s a relief to to share the work and share the solutions.
Plan for a plan b.
I think debt is often a go-to solution for problem solving. Something’s broken – pay for it on the credit card. Something’s needed – use the line of credit. Couldn’t help it. Needed doing. Debt is the cost of living. Or so I might have thought once upon a time.
If we just stopped and thought about it and offered ourselves a non-debt solution. I had two such issues recently. A repair – which absolutely must happen – in my urgency to solve the problem, I did think about using the credit card. But I took a deep breath and reached out to someone who knows more about the issue than I do. Might have saved me a bundle. At least I have another option to contribute to solving the problem. Then I had a purchase, which was much needed – but before I lept into it – I came up with a plan b. It will take more time, but it will cost me nothing.
If you’re going to get out of debt, you have to believe in your ability to come up with a plan b, or as I know like to call it, plan be out of debt.