You read that right. For at least the next three months, I’ll be ignoring my debt.
No more running the numbers.
No more calculations.
No more logging in to my account just to look at the balance.
None of it.
I may even pretend I don’t have any student loan debt.
I’ve lost sight of the big picture.
I had a post scheduled for today that outlined my new accelerated goal for paying off my loans by September 2015. My 29th birthday. How fun. To do that, I’d need to pay on average $2200/month for the next year. I got so hopeful.
Then life happened. I found out my paychecks will be lower next year due to a shift in payroll and Hubs and I will owe on our taxes next spring.
Then I lost my mind.
I spent the next few days obsessing over the numbers. I couldn’t think of anything else. Even though I know I need to cut my expenses and increase my income to get where I want to be, I was paralyzed by my numbers to do anything about it. I couldn’t even put a stupid ad online offering my tutoring services.
Yes, I want to pay off my debt quickly. Minimizing the interest by paying them off extra super quick is pretty cool too. But I’m not learning what I need to learn from this experience.
I’ve developed an obsession and what I’m doing isn’t healthy. I think telling Hubs about this blog gave me permission to think about my debt constantly, talk about it constantly and run the numbers constantly. So I did.
My goal for this blog is to “learn to deal with money like an adult.” I’m not doing that.
To put a stop to this madness, I’m putting myself on a Debt Detox.
Don’t worry. I’ll still be around and post monthly updates. Twitter has become my favorite, so you’ll likely see me there. Who knows, I may even be more inspired to write if I’m not obsessing about numbers.
One thing is for sure– I’m looking forward to doing and thinking about other things.