Have you reached your get up off the floor moment with debt? That moment where you realized that you just can’t take it anymore? We all have several get up off the floor moments in our lives. Some of us are still struggling to find that get up off the floor moment when it comes to the struggle with debt. Others have had it, but they’re not sure to begin. Have you had your debt get up off the floor moment?

A Debt Get Up Off The Floor Moment

You might be curious what a get up off the floor moment is.  A get up off the floor moment is when we take a look at something in our lives, are so vehemently disgusted with something or a particular situation, that decide to make a stand, and make a change.  Most of us have several get up off the floor stories. Here are a couple get up off the floor stories for me:

  1. When I was a teenager I decided that I was sick and tired of living in Hawaii.  I didn’t want to live isolated from the continental United States anymore.  My entire focus shifted to trying to get out of Hawaii as soon as I graduated from high school (I didn’t go to college right away). I worked as a valet at a local resort and by the time I had just turned twenty, I had saved up over ten thousand dollars which afforded me to move to San Diego.
  2. Another get up off the floor moment that I had was in my mid-twenties. Half way through my collegiate undergrad career, I was extremely fascinated with the role of nutrition in the body. The route I was taking was to graduate with a major in dietitics. However, the more I learned about the career, the more I learned how limited I would be not only as a dietitian, but also job wise and financially as well.  It was easy for me to transition into a nursing program through the same school, so I did it.

Both get up off the floor moments have provided me a pretty good positive return on investment.

My Debt Get Up Off The Floor Moment

My debt get up off the floor moment came more recently. While in college and for a few years after that, I amassed tens of thousands of dollars in debt  between credit cards and student loans.  I was also incredibly horrible at keeping a budget. For several years I knew I was bleeding wasted money in debt payments. I was just getting by making the minimum payments and building up more debt.

My debt get up off the floor moment came naturally. I decided that I was sick and tired of being a slave to debt. I want to put every single dollar bill to work so that one day I won’t be captive to my debt. As soon as I made a conscious decision that I was sick and tired of being a slave to debt, it helped to take an inventory and make a lit of all the debt that I currently oweWarning: my debt list isn’t for the faint of heart.

When I compiled all of my debt, took a look, how much I was spending each month, and saw how long I would be paying this debt off, my debt get up off the floor moment commenced. I jumped up off the floor. I decided I needed to do something about it. I’m not sure how long it’s going to take for me to get through all of my debt but what’s important is that I’m making a change to not accrue any more debt and to begin a debt payoff plan.

What’s Your Debt Get Up Off The Floor Moment?

For those of us that are serious about tackling our debt, we’ve all had our get up off the floor moments.  What were your moments when it came to your debt?  Did you learn or discover anything from getting up off the floor with your debt?