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What I Learned From Being Over 30K In Debt...

by davidhorph
19 replies
Hey, everyone...

I just started this blog about a week ago and I thought I would post it here to see what you guys think of it.

As the title suggests, it's about setting and achieving goals, but it's based upon how, long ago in a galaxy far, far away - no, wait... that's something else - er... a long time ago, I was over 30K in debt. I didn't mention this in the blog, but near the end of my apartment lease, my apartment got broken into while I was sleeping in my bedroom! The robbers tried to enter my bedroom, but the door was locked while I was half-asleep. I kept the door locked so my roomate at the time wouldn't keep coming into my bedroom (the funny thing is, when I heard someone try to open my door, I actually thought it was my roomate trying to get in, so I just ignored it and went back to sleep).

Anyway, I thought I would post it here to see what you guys think of it.

Please note, though. I tend to have a very "unique" way of writing. Also, the blog isn't the fanciest, but I'm not the greatest with setting up blogs.

practicalgoalachieving | Just another WordPress.com site
#30k #achieve goals #blog #debt #learned #practicalgoalachieving
  • Profile picture of the author AwesomePossum
    You learn the most from the biggest mistakes. I bet you have a lot of wisdom and experience from this lesson.

    You should post more about what you learned here in Warrior so people start reading your posts than link up your blog in your signature. You'll get more traffic and Warriors would like it more

    Aaryn
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    • Profile picture of the author ECMartin
      Originally Posted by AwesomePossum View Post

      You learn the most from the biggest mistakes. I bet you have a lot of wisdom and experience from this lesson.
      True, I was in debt too due to making a few consecutive mistakes in my offline business and it was so far the most powerful lesson I got
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  • Profile picture of the author ryanbiddulph
    Hi David,

    I like your blog and insight. Wasn't able to find the article on being in debt though.

    The toughest lessons to learn are the best lessons to learn. Like you I was in heavy debt, to the point where I was sued my at least one creditor. Non-stop calls, etc, it drove me mad.

    I know that I attracted the situation so I had to deal with it, and the anger, anguish and desperation of being pretty damn poor for a significant portion of my life drove me to be the person I am today.

    Really, being heavily in debt and flat broke was the best thing that could have happened to be. I wouldn't have developed a powerful drive unless I experienced these situations for I would have been too comfortable.

    RB
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  • Profile picture of the author Darius.Chase
    Man I know how it feels to be in debt.

    I was in over £120,000 of debt around 2 years ago, and instead of declaring bankruptcy, I decided to change my thinking from "How can I get away from paying this?" to "How can I pay this off and still be able to live an incredible and fulfilling life?"

    The questions you ask yourself are the ones your subconcious answers.

    Needless to say, I'm now riotch biotch, and I'm liking this Warrior Forum.

    Surround yourself with the right people, get the right support, and learn from your mistakes. The definition of insanity is in doing something that failed over and over and expecting to get different results.

    Ask yourself the right questions.
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  • Profile picture of the author Adwello
    Being in debt sucks once you pass the point of no return, that is, being unable to meet the basic minimum payments to clear it all. I simply wrote to all my creditors explaining my situation, pleading "temporary financial embarrassment" and agreed to pay £1 per month with the interest frozen. After a few months I heard no more from any of my creditors and have been able to start over debt free. That was over a decade ago.
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  • Profile picture of the author scortillion
    Sometimes we learn life’s lessons the hard way like you did. It’s sad that you have to second guess everyone’s intentions. I too had my eyes open to the “reality” of the world when I was in my 20s. It’s nice to say trust everyone but you cannot.

    There is a saying “Trust, but Verify”.
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  • Profile picture of the author pradiprg
    Banned
    [DELETED]
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    • Profile picture of the author DominiquePrentiss
      It's great that you were able to learn from
      an overwhelming situation. Not many people
      do.

      Sometimes we go around the same mountain
      over and over again before we learn the lesson.

      I was in debt myself from student loans, and
      you can never get away from the federal
      government. They will debit your accounts
      and leave you with nothing, so I made it a
      point to pay them off - sacrificing a lot of
      the time but it has been worth it.

      And now, those $27,000 in student loans
      and fees are behind me, and I have been
      able to save in a way that my children
      won't have to borrow a dime when they
      go to school.

      They won't have that debt following them
      the way that I did.

      So good for you and the lessons you've
      learned will stay with you for a lifetime.

      Oh! I like your writing style...
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  • Profile picture of the author RachelCorrine
    I like your writing, and you seem to have good content...have you thought about customizing the look of your blog a bit? while Google may not care what your blog looks like, your readers do!
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    • Profile picture of the author davidhorph
      Hi, Rachel...

      Yeah, I do want to customize it and have been fiddling around the Wordpress dashboard trying to make my blog look decent (I was recommened Wordpress over Blogger at an internet marketing seminar). The thing is, Wordpress is so complicated to use. I don't even know how to upload pictures or videos into my blog yet and I'm trying to figure out how to change the title to "Practical Goal Achieving".

      I might just have to e-lance or 99-designs or Warriors For Hire.
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  • Profile picture of the author imkazu
    I see people bounce back harder and stronger in situations like this;
    all the best and keep up the blog, im sure people could relate to your experiences.
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  • Profile picture of the author KristieDean
    You have some great information here!

    Originally Posted by davidhorph View Post

    Hey, everyone...

    I just started this blog about a week ago and I thought I would post it here to see what you guys think of it.

    As the title suggests, it's about setting and achieving goals, but it's based upon how, long ago in a galaxy far, far away - no, wait... that's something else - er... a long time ago, I was over 30K in debt. I didn't mention this in the blog, but near the end of my apartment lease, my apartment got broken into while I was sleeping in my bedroom! The robbers tried to enter my bedroom, but the door was locked while I was half-asleep. I kept the door locked so my roomate at the time wouldn't keep coming into my bedroom (the funny thing is, when I heard someone try to open my door, I actually thought it was my roomate trying to get in, so I just ignored it and went back to sleep).

    Anyway, I thought I would post it here to see what you guys think of it.

    Please note, though. I tend to have a very "unique" way of writing. Also, the blog isn't the fanciest, but I'm not the greatest with setting up blogs.

    practicalgoalachieving | Just another WordPress.com site
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  • Profile picture of the author Sitechamp
    Very interesting read. Thanks for sharing.
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  • Profile picture of the author duggydub
    David, good blog and nice honest and captivating writing style. Well done and inspiring for getting over the debt. That is what drives a lot of us to become successful and comfortable with making money for all the right reasons. your website could do with a more jazzier theme which you can get from many sites. Check the smashingmagazine free high quality worpress themes articles or check wpclassic dot com for some. Also check the forum here for website design articles and tips for wordpress learning.
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  • Profile picture of the author maidmarion
    Good articles and well written! A lot of us have been in your boat, and sometimes its good to express it.! Paying off one thing at a time starts to make you feel better.

    But you also need to focus on creating wealth. Find some way to bring in money and focus on that success. Have an automatic payment for your debts so you are not focusing on it.

    Thanks for sharing your story!
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  • Profile picture of the author sethczerepak
    Dude, paying off debt is one of the most valuable "tuitions" you'll ever pay in your life.

    Check out this post...

    The Secret to Financial Security and Wealth Attraction | Online Life Coaching
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  • Profile picture of the author Radcliff
    nice story.......failures are a opportunity to become strong.Thanks for sharing.
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  • Profile picture of the author Ninawa
    Glad you were not harmed by the robbery, glad you restarted and relieved the debts. I would like to know the "How" if you don't mind. Thanks.
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  • Profile picture of the author vip-ip
    It's almost weird how being in debt is the last nail on our coffin of procrastination. At times, I've struggled with making money online while in high school, but when I crashed my car and an $800 repair bill came in, I paid it off *snap* just like that. I don't know what changed, but something about the urgency made me take action in the right direction. I've had flawless credit history ever since.

    Best Regards,
    vip-ip ...
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