For those of you that have known me a long time, you know money has been a huge part of my life. It has been my biggest excuse. I had been in debt for about 20 years. No, not the student loan kind of debt. Everyone always seems to hold an air of forgiveness around that one, but good old fashioned credit card debt.
I told myself it was okay, that most of it was accumulated from printing and framing for art shows and buying photography equipment. You see I was a photographer, and someday it would pay my bills, so it was investment debt…or I kept telling myself.
I was paying $1000 per month for the longest time. But never seemed to make any headway, I didn’t really understand it. I mean I was good with money in many ways. I always had money saved (the cushion), and when I wanted to do something, I would plan and save. I never paid a bill late. On the surface I was very good with money, so why couldn’t I get out of debt.
It turns out there’s a lot more to money than just money. It wasn’t until I examined these issues that I was able to let go and make progress. For me there were quite a few steps, and probably more to come.
Recognize my shame- I wanted to be perfect, I didn’t need any help from anyone else, I wanted to do it all by myself, because admitting that I needed help, or that I was in too deep would be the death to a big part of who I was.
Ask for help-this was scary. It meant that I had not only acknowledge my shame, but move through it. There were many tears and it was so hard. The funny thing, is that on the other end of that conversation was kindness, and no judgement. I felt to ashamed to need help, but the help was there, all I had to do what ask and be willing to receive (willing to receive is another tough one for me)
Make a commitment-I had to commit to do things differently. For me that meant, changing all my auto payments to my bank account and not using a credit card again…no matter what.
I had made commitments before, what was going to make this time any different?
At first I could say it is because I gave my word. For me that works, I will bend over backwards and endure the worst stuff in an effort to keep my word. And for the start, that was a good enough place to start.
If you would like to work with me on facing shame and being vulnerable, schedule a free phone consultation with me here: