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The Unlikely Way to
Save Money
I was financially fed up around January 2008. The creditors would
not stop calling, and their methods became more and more intrusive.
I was trying, trying, to pay them. I’d send them money any way I
could. But no use. I had to survive, and survival was getting
harder. I felt I was running out of ideas fast, and out of hope even
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So one evening during a brain storming session, a
thought entered my mind that made me shiver: Why not just try to be
homeless? Well, I have to admit, I had thought this before and had
worked out all the details in my mind. What if? What if? I said.
What if I had a gym membership, so I could still take a shower? What
if I had a job where I could still make money? I could sleep in my
car. I could keep a storage unit for my furniture. And if the
weather was ever dangerous, I could stay with friends. Yes, and I
could eat canned food without heating it up.
Yes, I was at a point of sheer desperation.
I had decided that if I allowed myself to eat out
for several meals, that I could make up that expense just by not
having to pay rent.
The more time that passed, the better the idea
seemed. I was ready to say, “To hell with it all and with everyone!”
I was so fed up with money, and not having money, and not being able
to pay my bills that I even decided that if I died in the process of
becoming homeless that I would be okay with that.
So I started spreading the word to my friends. I
was going to be homeless, and I was not going to have to worry about
paying those blasted bills anymore. Even if I could not save any
money, at least they would not be able to find me save a post office
box that I would maintain to get some mail.
I explained every detail to my friends about my
soon-to-be-new life. And the response was always the same: You’re
crazy! I can’t believe you would do this just to save some money.
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“But I don’t want to go back to working
full-time,” I would respond. “I would rather die than do that. I
would rather just piddle making a little money and live happily than
just survive for the sake of existence.” Even now, I can see the
validity in that argument. Truth is truth, no matter how painful,
and I still understand that desire for freedom on some level.
As time grew closer for the move out of my room
that I rented, I started cleaning out my things, downsizing,
throwing away, getting ready for life in my car. I gave my furniture
to my roommates and told them they could do whatever they liked with
it. I was able to fit everything in my car. I was getting more and
more excited about my new life. I felt like I was getting closer and
closer to financial freedom. Rather than having enough money and
living beneath my means, I would lower my living standard to such a
point that money did not matter.
So then, I have to wonder, what the breaking
point was? Sometimes I ask what made me change my mind. To this day,
I’m not exactly sure. But it might have been a conversation I had
with an ex of mine that told me how worried he was that I would do
something so drastic as live on the street. He expressed such
disappointment that it broke my heart, and that might be the reason
I changed my mind. I may never know for sure.
So now, I do the only logical thing I can think
of. I work a full time job and try to live below my means. I still
send some money to creditors whenever I can, and am slowly paying
down my bills. This life is actually more humbling than living on
the street would have been, but at least now I know I’m working
toward something I can be happy with - financial freedom. |
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