Debt Reduction, Everyday Living, Relationships, work

Thoughts on time management … or lack thereof

Last Tuesday, I thought of a stunning post that I could write for you all. It was going to be the Great American snippet of blog posts and it would inspire understanding! OK – so it wasn’t that good, but it seemed like a good one when I started making little notes to myself about what I wanted to convey.

The ironic part? I wanted to write about time management – but then I ran out of time until this morning to finish what I had started. Then, like all good ideas that seem brilliant at the time, I forgot what the gist of what I was going to tell you.

This is what happens when a person doesn’t have enough time.

Not having time has other consequences for me as well – when I get pinched for time, I find myself getting lazy about frugality and I find myself making bad decisions. For instance … I spent about $120 on restaurants last month. And OK – $120 is probably a lot better than before I was trying to pay down my debt, but at the same time – $120 is about 1/5th of what I owe on my lowest balance credit card. Five months of brown bagging would more than take care of that particular card.

I also think of a comment that was made a few months ago when I first started writing this blog – if I battened down the hatches and stopped my mindless spending, I could still pay down my debt and have more time in my life to spend with my Future Husband and doing the other things that I like to do.

To be honest? I don’t know if I can do it. I’m very tired and I know that I’m getting a little burned out working two jobs and getting ready for the wedding. But I like the money. I like the $400 paychecks that I’ve been getting from the cab company – they helped me pay off the root canal, they helped me pay off my car insurance and when the IRS bites me in the arse when I do my taxes this month, that money’s going to dig me out once again.

But gosh I feel like I’m spinning my wheels. I feel like there is so much that I’m missing out on and I just want my debt paid off so I can go on enjoying life.

Here’s the quote that’s been running through my head lately. If you’ve never watched “Things to Do in Denver When You’re Dead,” it’s probably one of my all-time favorite movies. This quote is particularly poignant right now:

“Remember when you was a kid and you would spend the whole year waiting for summer vacation and when it finally came it would fly by just like that? It’s funny, Jimmy, life has a way of flying by faster than any old summer vacation …”

I just hope that when this time is all over – when my debt is paid off and I’m not working all the time – that I truly do enjoy myself and that I remember what it was like to be so darn busy and to really appreciate where I’ve been and how I got to where I am. Does that make sense or do I need to stop writing blog posts before my coffee kicks in?

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3 thoughts on “Thoughts on time management … or lack thereof

  1. Once your debt is paid off, will you keep your job as a dispatcher? If so, is there something special you will earmark this income for?

  2. Novel of the day: 🙂

    Paying off debt sucks. No two ways about it. But there are a couple of things you have to keep in mind: you enjoyed spending that money at the time, so don’t discount that or it’ll only make you feel worse about paying it back. Yes, perhaps in retrospect, you wonder what in the world you were thinking, but it’s part of life. But don’t forget the enjoyment you got while spending the money!

    One thing I’ve really come to terms with is that being an adult means you have to do a lot of things you don’t want to do. That’s what separates us from being kids. You get a lot more freedom, you get money and a car, but you get a lot more of those I-don’t-want-to-but-I-have-to-things too. (Like working out, doing dishes, cooking food at home to save money, etc. etc.)

    And sure, there are times when you want to wallow in the self-pity, but you can make a choice to not be miserable about where you’re at and to do what you can with what you’ve got. Don’t believe me? Ever answered the phone or been at the grocery store and you’ve run into someone and you snap out of your sour mood, so you can put up a good picture of yourself for this person? Usually you’re in a better mood overall after that happens (my mom and I call it putting the action before the emotion).

    Getting out of debt isn’t going to magically make your life better. A bit easier, sure, but it’s not going to make you all of a sudden manage your time or your finances or your feelings better.

    So start by not beating yourself up for making the debt. Realize that along the way, going out for lunch sometimes is going to help you not feel so much self-pity all the time, and it’s ok to do it–keeping your sanity is important, too! Or life’s circumstances will make it hard for you one way or another to not spend as much money as you hoped, and it sucks, but the lesson can then be about learning to adjust your expectations and emotions to the situation, which also helps a lot in life.

    Also, keep in mind what you’re getting by keeping your life the way it is: you get to live where you want to, you don’t have an outrageous commute, you don’t have a really stressful, non-stop job, etc. The trade off is money, and getting out of a debt a bit faster. But it seems to me that you’ll have much more sanity and happiness in the long run this way.

    Anyway, I hope this isn’t too harsh, it’s not meant to be one of those “oh just grow up” diatribes, not at all. I’m just trying to share some of the things I’ve learned while getting out of debt.

  3. Oh, and a good question to ask yourself when you’re spending money or wondering about not working out…is my life going to be so much better with this that I am willing to put off paying off the debt for just a little more/feeling great at my wedding?

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