As I was out walking this morning, I was listening to some subliminal cd’s I’d recently purchased. One of them is called “Having it All”. Just as I was coming home I realized, I already have it all. I want for nothing.

I have enough money (and more), right now, to pay all my monthly bills ~ rent, utilities, food, etc. My car is a 2007 Prius, paid for. We have an older van ~ paid for. We don’t purchase unless we have the money ~ which we do. I rarely have owed anyone for anything and if I did it was because I knew I had the ways and means to pay it off. I wasn’t “hoping” the money would come in and, it was only one purchase at a time.

At one time I purchased a stereo set to begin building credit. I put a hefty down payment on it; paid it off in 3 months (no interest). Then I purchased a small piano. Same thing… large down payment, paid off w/in a year. (no interest). I could have paid for both of those things in cash but was told I needed credit so I started to build it. Then I stopped. I really didn’t “need” credit and couldn’t find more things I wanted to purchase to build it.

Now, I have no credit BUT, I also have no debt. Oh yes, I can hear some of you saying “Lucky you!”. Well, yes and no. I prefer to think of “conscious me”. I MADE my “luck” by paying attention. Never getting a credit card and always paying in cash keeps life simple.

What has been interesting is that about 10 months ago we were looking for a new place to live. Because we had no credit (he’s from Europe and hadn’t established it yet) we were turned down for the 3 places we tried for, only one of which I would really have liked to have gotten. I asked the owner why she wouldn’t lease to us and she said the other person had more credit. I said, “oh, how interesting. So, what you’re saying is, they have debt which makes them more lease-worthy and we, who have nothing to pay but our monthly bills are not?”

Suffice it to say, we did find a lovely place ~ the one we’re supposed to have in the area we’re supposed to have it. It’s perfect for us ~ for now!

Now, the major holidays are upon us. What are you going to do? Purchase gifts for people you don’t want to because they give you something every year? Have you thought they are thinking the same about you? Do you go into debt every year purchasing gifts? Want to re-consider that this year? What alternatives can you think of which will show you care ~ about you!?

Same with my last post. People feel obligated to do the same thing every year with the same people every year never considering that just maybe the others don’t want to do it any more than they do. Something to consider, eh?

Something else to consider ~ if these people are not people you can speak with about this (and who will tell you the truth), then maybe you shouldn’t be spending money on them or time with them anyway. What do you think?

By the way, last year I created a “playbook” of tools I used to bring me where I am today. I use it myself and keep on growing and learning. You might wish to check it out for yourself or, as a priceless gift for someone you love: “Revvellutionize Your Life in 30 Days”

Injoy,

Revvell