PF Weekly Grab a Brew 31: I don’t care about debt…push!

Grab A Brew Reading Line-Up

I’m sure you know someone who is deep in debt and shrugs it off like it’s no big deal saying they don’t care about debt. Sometimes I wonder how someone gets to that point but from another perspective I can understand how overwhelming debt can be for some people, myself included. Every one in a while we need motivation in our lives, and I’m here to share some of mine with you.

Yes, when I bought my first condo that amount of debt and unexpected bills were piling up even though some people would say a mortgage is not a bad debt it loomed over my head. I’s not near as bad as having thousands in consumer debt that you just can’t pay off no matter how you accumulated it. Some people are comfortable paying the minimum payments until the bitter end no matter how much they pay in interest. It’s easier to close our eyes than to take the steps to iron out the wrinkles.

12 per cent of them — said they are comfortable carrying the debt and don’t intend to pay it off.

The CIBC telephone poll that I read said “14% of Canadians won’t pay off their debt” and although any number seems high to me it’s no surprise especially if we take on the negative attitude that many people swim with. When one is too far in debt the feel the waves are too high so they float. Push. I know not everyone is in debt from their own doing but realistically if we could only think of better ways to pay off the debt instead of saying “I could care less if I pay it or not” because that attitude is a huge weight that some people carry around and will take them down, eventually. Push.

When one CBB fan shared her story about drugs,  debt, divorce and triumph her words were so powerful that the post was seen by so many who crave that inspiration. Then there is Katrina a single mom who does whatever she can to make extra money for her family to stay out of debt. It’s that drive, that attitude, that push.

How do you become more positive about debt?

Well, there’s not much more to say except for take your debt with both hands and conquer it. It may be easier said than done but for those of you that know me, you know I always say anything is better than nothing at all. It’s hard for some people to see the bits come from the pile little by little but if we could cut back in other areas or make more money we could take bigger bits. No one will sorry for you and your debt, that’s just the way it is. They won’t care how you got it or arrived at the place you are at but they may want to help you get over the negative hurdle and back on paying higher monthly payment grounds. Push.

Being positive is not hard at all, because if you have what it takes deep in your heart you can make anything happen. Digging out of debt takes steps but you must climb them and figure out what you want money for. There are people out there with varying degrees of disability that are able to make positive change to their life where they once thought there was no hope. If we could just take their strength and apply it to our finances we would be in a much better place. Push.

The name of the game is to “push” and don’t stop until you get what you want. If you want lower interest rates on your credit card, find a way. Do what you need to do to get back on track, especially if that means budgeting every penny so you know where your money is going. It’s your ship, you’re sailing, no one is going to pull your heavy debt weight along but the strength you put into getting your ship to shore. Push.

There once was a girl I knew, and still know who had dreams, lots of them. In an instant all those dreams came crashing down after an accident she was in. She went through the stages of  loss through emotion but now she is a fighter and is doing whatever it takes to get back the goals she lost through re-arranging the way she thinks about her life and what she wants from it. The hidden message in this post is so obvious that I hope those that read it grab it and hold it close because when you want to give up, say the word to yourself. Don’t let anyone tell you that what you dream is impossible, but when you tell yourself that it’s only a dream you won’t ever bring it to life. Push.

Do you know someone who has debt and has just given up or doesn’t care what happens any more? What would you say to them if you could to motivate them never to give up?

Top Recipe

skinny-frozen-smores

 

It’s a hot day today and I’m in the mood for something sweet but skinny and this Skinny Frozen Smore’s Treat that Nancy Fox from Skinny Kitchen created is right up my alley, no camp-fire needed at all. This is my top recipe from my Facebook page The Free Recipe Depot! Each week I feature one recipe from other Food Bloggers right here… just to make your mouth water. Check out my full frugal recipe index to see what you’ve missed in my kitchen.

PF weekly reading line-Up

I’ve had another busy week so I didn’t get a chance to read and comment on as many posts but from what I did read and comment on I think you might enjoy the few I picked out. Looks like a certain host (s) is down today and some posts I wanted to share I can’t. Sorry.

Top story: My good friend Karen is celebrating 3 years blogging at Lil Suburban Homestead. Lots of contests going on so please head over and say hello and tell her Mr. CBB sent you!! I always think that if a blogger can make it past a year you know they are passionate about their topic and Karen, well she goes above and beyond. Enjoy the real-life photos of her homestead and how she lives the frugal life. 

Have a great week everyone and I hope you enjoyed this edition of my Personal Finance Weekly Grab a Brew #31, I don’t care about debt…push.  Join me again next Friday when I do it all over again. Happy August long weekend Canada.

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Mr. CBB
I’m from the UK and now a recent permanent resident in Canada. I bought my first house at the age of 21 after University then my second at the age of 24. I’ve always been fascinated with personal finance, savings, learning to make money and watch it grow while combating debts along the way. Canadian Budget Binder is a place where I get to share my experiences with personal finance and learn about yours along the way. I hope you stick around and check me out on Twitter, Facebook and Pinterest where I am active on all social media sites. Cheers, Mr.CBB
Mr. CBB
Mr. CBB

Comments

  1. I’m so excited to see you picked my Skinny Frozen S’mores for this weeks featured recipe. Thank you so much!!!
    With my very best wishes,
    Nancy
    Skinny Kitchen

  2. Thank you for the mention Mr CBB! You may get a warning that the link is broken, my sites have been down today… one of the joys of self hosting! Have a nice weekend.

    • I noticed… it’s been driving me nuts. All the posts I wanted to share, I can’t. When I did link your site was up. Just give it a check when your site is back up to make sure because I’ll forget lol.

  3. Those s’mores look amazing! I’m drooling!

  4. Thank you so much for the Birthday Shout Out under your Top Stories Mr. CBB I am so grateful for our blogging friendship :) I started my lil’ blog for very passionate reasons which will be one of my posts coming up soon! By the way that Skinny Smores treat looks amazing! I will have to share on my fb page….have a great weekend!

  5. Christine Weadick says:

    We’re trying to keep our heads above water, not an easy thing to do. I just keep putting one foot in front of the other. That recipe does look yummy!!!!
    I’ll be looking over the blogs later but I did read Jeremy’s post and left a comment….
    Have a good weekend…..

  6. Mary F Campbell says:

    I see no reason to pay off debt **BIG** IF… you are earning more with the funds than you are paying out. We just paid out a 0% five year car loan. I had the cash invested at 5 %. And I was making money but I also had liquid cash to pay it off anytime if I had wanted to. :-)

  7. Thanks for the mention mate, I hope you have a great weekend :)

  8. “Don’t let anyone tell you that what you dream is impossible, but when you tell yourself that it’s only a dream you won’t ever bring it to life.” LOVE this, Mr. CBB! What an inspiring post for the day!

  9. smores and coffee? would that be an acceptable combination! love the round up!

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  1. […] PF Weekly Grab a Brew 31: I don’t care about debt…push! (canadianbudgetbinder.com) […]

  2. […] management friends. I wanted to motivate my best friend with her words because I know he needs that push to find the better job plus get his hobby off the ground because he is so very talented. I’m […]

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