Let’s talk about the questions we should ask to avoid getting into debt.
Knowing the prompt this week was “question,” I’ve been thinking since Thursday about what I would say.
I don’t want to overshare, and it’s a tad ironic that I am writing this when I am five hours away from ending the Ration Challenge, when I tried to understand what a refugee deals with (while also raising awareness and funds for the work of Church World Service).
But I have learned to write the thing that bubbles up the most, and here it is.
I would not face some of the financial worries I face in midlife if I had asked better questions years ago. (Again, my financial worries are minor relative to the survival challenges many people face, but they are my responsibility and responsibility is my deal.)
I wish I had asked in my early 20s when I took out that first credit card, “Is this necessary? Do you really know how it all compounds and adds up?”
I wish at several points in our dating, marriage, raising a family and midlife, I had asked more pointed questions about our choices. (And I am not laying blame here — we are both responsible, but I can only retroactively change one person’s choices — even if I only do that in my head.)
I wish I had asked more “what if’s.” What if someone gets laid off (which has happened to my husband twice? What is someone gets so sick they need almost constant care (which happened with my father-in-law)? What happens if a major issue arises with the house?
Had I asked those questions then, it would be so much easier for the current questions to include, “Where will the next vacation be?” or “How much more can I give to a favorite cause?” than “How am I going to get out of this debt?”
Welcome to this week’s Five Minute Friday. Our instructions, via creator Kate Motaung: “Write for five minutes on the word of the week. This is meant to be a free write, which means: no editing, no over-thinking, no worrying about perfect grammar or punctuation.” (But I can’t resist spell checking, as you can imagine.)