If I could turn back time, I would make better choices. I'd be more careful of how we spent our money. I would not go into debt with the exception of buying a house and then it would be paid off as quickly as possible. I'd have an above average emergency fund. I'd have to learn to cook and bake from scratch much earlier in our marriage (I was known as the queen of the microwave in those early years!).
Because debt is a thief. It is the destroyer of peace. It steals opportunities - like making a career change and having a job you would love but can't take because the pay is lower and you're up to your eyeballs in debt.
It makes you feel guilty that you can't give your children more experiences. It whispers that buying this thing or that will make you happier, that your life will be better, that you will be more attrtactive.
It's all lies!
I have been ruthlessly decluttering and every time I get rid of more stuff, I feel better, lighter, and I breathe easier. There is less to clean and maintain giving me more free time to do things I enjoy.I believe in having nice things, but I don't want my home overflowing. Hoarders, anyone?
It took a long while for me to reach the point of enough and even longer for my husband to, but now we are working together as a team. We have to. It's sink or swim.
I'm willing to do whatever it takes to rebuild our financial life on a firm foundation. I will work my fingers to the bone in order to be free from debt's bondage and have peace of mind.
Learn from my mistakes before you're in to deep, friends.