by Chris McGinty
In 2003, Nathan and I had a discussion about his debt. This was five years before I heard of Dave Ramsey, but I already had many of the same ideas as said Dave person. I won’t even get into what Dave Ramsey has said about these debt management programs, because I know that I’ve already advised Nathan against it.
I’ve pretty much stopped believing that anyone will ever listen to a word I say though. This goes very deep in fact. Miguel and I were discussing my writing the other night. It was an offshoot discussion of this blog. In our private group, I asked about promoting this blog, and all the other work we do. Miguel had an alternate take on the idea of promotion.
He asked, “Is it that we’re not getting people to our work, or is it that we’re not producing anything that people are interested in?”
Basically, he believes that it will do no good to promote our work, because no one will be interested. He believes that my sense of humour isn’t aligned with the rest of the world, and unless I’m willing to use more dick and fart jokes in my work, I will not appeal to most people no matter how I promote.
Put another way, I don’t say what people want to hear, and so people don’t listen. Interesting, huh? Nathan is still convinced that the credit card companies are to blame for what’s going on right now, even after I wrote a very clear, and funny if you understand more than farting dicks, piece about personal responsibility. Nathan points out that in a mere 4.5 years (really, that’s it?) he’ll have all the credit card companies paid off, and boy, will they have learned their lesson (the companies, not Nathan.)
So jumping back to the start, in 2003, Nathan and I had a discussion about his debt. My suggestion was to stop purchasing with credit cards, make cuts to his lifestyle, and get a part time job until he could get a little breathing room by paying off one or more cards. The result of this was us starting a part time business, which strangely was mostly funded by credit, and after we overextended ourselves, and Nathan quit his full time job (making the act of starting a part time business negligible to its original intention) the business failed. This was halfway through 2004 when it was finally all said and done. 4.5 years ago at the very least, probably closing in on five. But you see the parallel right? If Nathan had simply stopped purchasing with credit cards (which he has to do now anyway) and made cuts to his lifestyle (which he’s had to do anyway) back in 2004 when the business was officially done with, he would have no credit card debt now.
But none of that was what he wanted to hear. And people don’t listen to what they don’t want to hear. The way he’s doing it is better, because he’s sticking it to the man, oh yeah!
They already have your money, Nathan. And again, I know that’s not what you want to hear. Sometimes it’s the stuff we don’t want to hear that’s the best things for us to hear. I truly hope that your debt management program works, because if it’s the only way that you’re going to do what is best for you then I guess it’s better late than never.
And 4.5 years from now, if everything has gone as it is supposed to, I hope you don’t get back into the revolving door of debt, and say, “This is only to keep my credit score up, and I’ll be so much smarter about it this time,” because people are never smarter about anything when they’re using it as a justification for their actions.