Don't daydream your way into debt
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I am聽really聽looking forward to the day where we move into the country. I dream about it, in fact.
I don鈥檛 really聽loathe聽where we currently live, but recent construction has taken away the nice view that I used to have out of my office window.
I like to think about wandering in the woods every day, enjoying a great view whenever I want it, collecting mushrooms in the spring鈥
It鈥檚 a vision that I daydream about.聽
Right now, we have enough cash on hand to buy the piece of land we want. We could break ground pretty quickly thereafter if we were willing to incur some debt.
Here鈥檚 the problem:聽we never, ever want to be in debt again.聽Period. Debt is not something we want to have in our lives.
So, we wait.
It would be so simple to give into that daydream. We could be moving into the house we want by the middle of next summer. I could have that view聽really, really soon.
To have that view, though, means going down a financial avenue that I don鈥檛 want to go down again.
I want tomorrow鈥檚 life today, but the sensible part of me knows I don鈥檛 need it.聽In fact, to have that vision in my head, I鈥檇 have to introduce things back into my life that I simply don鈥檛 want there.
I imagine hearing the birds in the trees and the wind through the leaves, but I don鈥檛 think about getting the debt bills in the mail.
I imagine the wide open spaces outside my front door and the great view out of my office window, but I don鈥檛 think about being tied to work because we don鈥檛 have plenty of money in the bank.
As beautiful as that daydream is, it鈥檚 not a picture of the full reality of how things would be.
I鈥檇 far rather wait around until the time comes when we can do it聽right. I鈥檇 like to own that house I dream of, but I鈥檇 like to own it without the stress that comes with going into debt for it.
For that, I鈥檒l wait.
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