Does your brain automatically shut down every time you hear the word debt.
Debt Debt Debt
Blah Blah Blah
Mwah Mwah Mwah
It’s an overused word and a constant reminder that you screwed up. Negative connotations, galore. You’ve never heard anything positive said about debt and it’s definitely never funny.
Remember that game you played with your friends when you were young. The one where you added “in bed” on the end of every sentence. And then you’d laugh until the cows came home because those two little words at the end of a sentence made everything hilarious.
What? You still play that game? With the fortune from your fortune cookie? Ah – you and me, we should hang out more.
What is more fun to say?
I’m paying off my debt.
I’m paying off Al Capone.
I hope you said the second one. (Unless you’re really paying off the mob, and then I’d totally understand why you don’t think that’s so funny.)
Al Capone is the name of my mortgage.
Here are a few things that I can often be overheard saying:
We need to make an extra payment to Al Capone this month.
Give that money to Al Capone.
I’m so ready to shake Al Capone.
Hide. Al Capone is at the front door. We missed our payment.
That last one was a joke.
When I was in the midst of the credit card juggle and could barely keep my head above water – “Jillian” was the name of my debt. Jillian was the girl that stole my boyfriend. (Names have been change to protect the innocent.)
Let’s just say I had a ton of fun with comments such as,
I’m one step closer to kicking Jillian to the curb.
I’m sticking it to Jillian.
And every time I wrote a check to Mr. MasterCard, Mr. Visa and Mr. Discover,
Take that Jillian.
(Cause I’m mature like that.)
There’s power in a name.
If you have children, I bet you spent an eternity figuring out what to name them. Think of your debt as your toddler throwing a temper tantrum in the middle of Target. It’s a drain on your energy, mental and physical.
It’s a bit embarrassing and you gotta apply strategy to get her to stop. You know you’ll have to endure the tantrum a few more times so your methods must be consistent and you’ve got to have bushels of patience. Ultimately, you must trust in your abilities to do the right thing.
What do you know – that sounds a little like what’s gotta happen to pay off your debt. Ahem, Al Capone.
Why not give your debt a name?
The journey to debt freedom is a battle. Motivate yourself and laugh along the way.
You can call your debt anything. For example, something
- that makes you laugh,
- that gives you motivation,
- that makes you angry,
- that lights a fire inside you,
- is an inside joke,
- is your dream destination
- or like me, after the girl that stole your boyfriend
You can also reference an emotion you expect to feel when everything is paid off. Let’s say you know you will feel free as a bird when you’re debt is paid off. You can call it Tweedy Bird.
Or Sylvester. He was always my favorite.
I know, call it a really hot actor – hello, Ryan Reynolds.
What will you name your debt? Let me know in the comments below.
Places I was found in the wild wild web this week:
The Carnival Of Money Pros – The Big Easy Edition at Money Wise Pastor
My Path To Financial Independence – Reach Financial Independence
The Stop Drop and Roll Method to Recovering From A Spending Binge – Smart Cookies (one of my all time favorite money sites)
I also want to give a big shout out to Alexa at Single Moms Income. She is one of my favorite blogs and also a Skinny Mermaid Design Studio client. I’ve been following her journey to self-employment for quite a while now and she just handed in her notice. Ahead of schedule. I’m so happy for her. Congrats girl!!