{"id":8255,"date":"2014-05-08T14:59:08","date_gmt":"2014-05-08T13:59:08","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=8255"},"modified":"2022-10-19T12:45:50","modified_gmt":"2022-10-19T11:45:50","slug":"importance-debt-free-living","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/importance-debt-free-living\/","title":{"rendered":"The importance of debt free living"},"content":{"rendered":"<p>Last year I wrote about having a small financial emergency, and how I managed to <strong><a title=\"Running on empty and how to avoid payday loans\" href=\"https:\/\/www.pennygolightly.com\/\/running-empty-avoid-payday-loans\/\" target=\"_blank\" rel=\"noopener\">avoid taking out a payday loan<\/a><\/strong>. I should have written this new article a while back because I&#8217;m now 100% debt free.<\/p>\n<p><a href=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/piggy-with-life-saver-escaping-from-debt-e1399550961976.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-8256 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/piggy-with-life-saver-escaping-from-debt-e1399550961976.jpg\" alt=\"\" width=\"550\" height=\"275\" \/><noscript><img decoding=\"async\" class=\"aligncenter size-full wp-image-8256 lazyload\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/piggy-with-life-saver-escaping-from-debt-e1399550961976.jpg\" alt=\"\" width=\"550\" height=\"275\" \/><\/noscript><\/a><\/p>\n<p>At the time I should have been jumping for joy, or at least feeling a bit proud of myself, but that didn&#8217;t happen. Instead I just experienced a small wave of sadness.<\/p>\n<p>Why? Lots of reasons. Acknowledging and tackling a debt can be exhausting &#8211; once you have a sensible plan in place you can&#8217;t take a day off until you&#8217;ve seen it through. It also brought back the experience of growing up in a heavily-indebted household as a kid.<\/p>\n<p>I&#8217;ve seen how debts can take on a life of their own if you don&#8217;t tackle them quick smart. Compound interest&#8217;s great on savings but it&#8217;s hell on debts, especially if there are extra charges for late payments. Getting out from under a debt is so much harder than running one up in the first place. It drains you, it drags you down.<\/p>\n<p>Living a debt-free life is simple, all you need is:<\/p>\n<ul>\n<li>A budget<\/li>\n<li>The discipline to make regular savings<\/li>\n<li>A well-stocked emergency fund<\/li>\n<li>The capacity to make major purchases from your savings instead of on credit<\/li>\n<li>A job that pays you a living wage, or employers that at least pay you on time<\/li>\n<li>For life events to happen to you at a rate of one a year or less<\/li>\n<\/ul>\n<p>Oh, maybe it isn&#8217;t all that simple then. I&#8217;m all for personal responsibility, I really am, but sometimes circumstances can be beyond our personal control. However, that doesn&#8217;t mean you should give up and let it get worse. There&#8217;s always something you can do, such as contacting a debt charity.<\/p>\n<p>Anyway, I&#8217;ve tackled the situation with gusto, stuck to my plan and made a lot of sacrifices. It wasn&#8217;t a barrel of laughs but it WAS worth the effort, and I&#8217;ve been rebuilding my emergency fund and saving up for Christmas since then. Once you aren&#8217;t servicing a debt then you can make plans for the future once more.<\/p>\n<p>If this article inspires one person to get out of debt then it was worth writing it. I also hope it might inspire people to avoid debt in the first place, if that&#8217;s within their power.<\/p>\n<h2>The wider situation<\/h2>\n<p>I see from the StepChange debt charity website that <strong>2.4 million UK children are currently living in families with problem debt<\/strong>. <span style=\"color: #800080;\"><strong>I grew up in a household like that myself, and it&#8217;s not something I&#8217;d wish on anyone<\/strong><\/span>. It&#8217;s brutal. You&#8217;d never guess if you&#8217;d only met me briefly, maybe I don&#8217;t look like &#8216;that kind of person&#8217;.<\/p>\n<p>It frightens me that we&#8217;re one of the richest countries in the world and so many kids in this country are now going to bed hungry, seeing their carers have blazing rows about money, or feeling constantly afraid and stressed.<\/p>\n<p>To top it all off, their parents are being bludgeoned with snide remarks about hard working families and getting classed as irresponsible. Maybe a few of them are profligate wasters (one of my close relatives certainly is so I&#8217;m allowed to say that from personal experience) but most of them aren&#8217;t, and anyway, why should the kids suffer? I feel sick when I think about the need for food banks, even though I greatly admire the people who are running them.<\/p>\n<p>Maybe that&#8217;s why I&#8217;m not jumping for joy. I know exactly where toxic debt can lead and it&#8217;s a very, very dark place. A lice-infested place with no curtains, or cooker, or fridge, or carpets, if I remember rightly. It&#8217;s clear to see the disproportionate suffering of those on low incomes, while people who grew up in millionaire households with nice trust funds talk about making &#8216;tough&#8217; decisions that will impact upon millions of lives (but not their own).<\/p>\n<p>Okay, spending your formative years living below the poverty line is largely undesirable but it can have one or two plus points. It may well make you debt averse, and more aware of the very real dangers of credit. You might learn by osmosis how to do budgets and food plans, and you might see a parent haggling \/ going without \/ shopping around trying to get a better deal so you know you don&#8217;t have to take the first deal that comes along. You will almost certainly learn the value of work, of self-reliance, in spite of what the gutter press says.<\/p>\n<p>Most of all, if you learn your life lessons well under those circumstances, you know you&#8217;ll always be able to cope when the shit hits the fan. I still don&#8217;t feel entirely great about that though, but perhaps it will change with time.\u00a0<strong><span style=\"color: #800080;\">So yeah, credit card paid off. Next&#8230;<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last year I wrote about having a small financial emergency, and how I managed to avoid taking out a payday loan. I should have written this new article a while back because I&#8217;m now 100% debt free. At the time I should have been jumping for joy, or at least feeling a bit proud of&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-8255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thrifty-living"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The importance of debt free living &#8211; Penny Golightly<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pennygolightly.com\/importance-debt-free-living\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The importance of debt free living &#8211; Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"Last year I wrote about having a small financial emergency, and how I managed to avoid taking out a payday loan. 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