HUATULCO: Pacific Ocean Boat Rides, 6 Degrees of Separation & Icy Cold Dos Equis

It was only a few nights ago that I was in a random taco bar in Huatulco, Mexico with my crew. Sometimes flying is like having 2 Dads and some step siblings all crammed together trying to make group decisions. Every now and again you get a group of people that just kind of fit and when you find them – you just need to go with it. 

Our little road family was pretty cute. We banded together for our 48 hours in Mexico – on a mission to experience some things, be out in the sun and remember why working as aircrew can be a super amazing job. 

Huatulco is in the Oaxaca region of Mexico. Oaxaca is found on the Pacific side just where the country does a geographical turn on the map and the continent starts to get more narrow. The only reason I actually know where Oaxaca is located is from my younger years as a Barista. I got a job at a Second Cup when I first moved to Calgary some 20 odd years ago. Second Cup was all about coffee but also learning about coffee kinda stuff and being knowledgeable about random things like growing regions and flavors in the soil. Oaxaca is absolutely a coffee growing region in Mexico and they make fine, fine coffee.  

Anyway, after a gong-show of a flight down to Mexico I was feeling pretty spent. In fact – I actually had to take refuge up in the flight deck for a little 15 min break in the last quarter of the flight. I had a chat with the guys about how I thought I might actually bail on the crew for some alone time. 

HUX beer me
Ice Cold Dos Equis

But as every good crew member knows – those decisions can’t be made till you are in your hotel room, out of your uniform and back in the world of normalcy -As soon as I was changed and breathing in that humid Mexican air I was ready for some Dos Equis. 

 

It was that first night – in a little local taco shop just a half block from the square in La Crucecita that I realized that the 6th degree of separation bullshit was actually a thing. I was telling the crew that I had lived on the East Coast of Canada and that I went to university out there. I wasn’t wearing my x-ring so when I mentioned I went to university in Antigonish the Captain leaned over to check my hand  – what do you know; The Captain on my crew just happened to go to the same University as me.  

HUX me
Me – reppin’ my East Coast Lifestyle gear like a motherfucking boss!

Like the typical people from the East Side we went off on a tangent to figure out if we had any commonalities and there you have it- he just so happened to be friends with a professor I held dear to my heart. 

It is crazy to me that everything sort of leads back to that place for me. That place that tried me so much. The place that changed me. The place that took my life in a very different direction. The place where I understood my childhood but hated it all at the same time. The place that I didn’t realize kind of unraveled me until I painstakingly put myself back together some 10 years later.  You get so connected to your own story that it becomes hard to rewrite it. Figuring out a new path, changing your identity, your story – it’s hard work. I have become fixated on trying to figure out who I truly am – understanding, growing. Can I see through that time and that darkness or will I forever be cloaked with that sadness that leaves so much hollowness inside? Are we supposed to spend our entire life searching? I digress.

HUX boatDinner in the Taco bar led to morning plans to spend the following day together. We all met for breakfast and sat in the square in Santa Cruz having Oaxacan coffee and chiliqilies. I opted for a vegetarian version and when those barely cooked eggs showed up on top of  my food I wanted to barf. I guess I am more vegan than I thought. The iced coffee was divine though. After breakfast we headed down to the beach to find a boat for hire. That is when we got linked up with Jamie – our boat guy – for barely $40 CND each we had hired out a private boat named Johanna II  for the day to do some bay hopping, see some secluded beaches, snorkel and of course day drink. 

We headed back to the hotel to grab our gear while Jamie iced our beer and tequila. We set out on a boat on the Pacific Ocean to explore this tiny area in Mexico. Admittedly I felt like the outsider of the group. But even though I was feeling slightly odd after a couple of drinks none of that stuff mattered.  I had a great time drinking tequila and beer and plunging off the side of the boat into the crystal clear waters. I barely thought about the yellow bellied poisonous snakes at all. 

HUX water
Jumping off the side of the boat into a bay after far to much beer and tequila. 

 

My previous experiences with Mexico have been in Cancun and Puerto Vallarta. Busy party central districts – Huatulco felt nothing like this. I swear to you Huatulco is where all the old hippies go -It might be because we were in the town of Santa Cruz which is part of the Huatulco region and not at a resort. It might be because Huatulco is pretty underdeveloped; you can see where they have made plenty of attempts but never actually finished construction on something – but this is a super chilled out area full of people just wanted to be in Mexico in a different capacity. You can see there are all sorts of great resort type projects on the go that have just been left abandoned. It is sad to see but at the same time it makes this area significantly less busy, less people around. It actually feels like a more authentic type of Mexico – whatever the hell that means. 

Getting up on morning two we had about three quarters of the day to just be. We headed down for a crew breakfast at Itoo – which if you are in town is a must. Fresh squeezed juices, and a menu of authentic Mexican food kinda written in English if you need that sort of thing. We sat around and chatted and made a collective decision for some beach time. 

The beach that was linked with our hotel on the Bahia de Santa Cruz wasn’t the prettiest I saw in my 48 hours. But for some last minute sunshine and some time for reading it did the trick.  I tapped out early to head back to my room to mentally prepare for my flight home. Maybe it was the full moon energy but things have been feeling off and I am definitely one that needs a lot of alone time. Sometimes to much. But preparing for work takes time, mental preparation and sometimes meditation. 

Landing back in Calgary makes the little bubble pop. Your little group just disperses and you go back to your normal life and normal things and cold weather. It’s like it never happened. It’s a crazy life how you weave through people and connections and experiences and end up exactly where you were – some of you cross paths again but it’s never in the same circumstances, people or places. You can’t relive a moment or time – you just carry on with the good parts. 

Life.  It’s interesting like that. 

Thanks Mexico, Onward.

 

It is February 2020 – here are the 5 things I can not stop thinking about …

I have been a bullet journaling mad woman trying to plan everything out in my life – from things I want to write about to what I actually want to achieve. Maybe I am just taking a bit of a goals reset I am not sure, but this is the list of the top 5 that have been on my mind lately:

  • How can I make an extra 10K this year to put on my Federal student Loan so I can be debt free by January 2021?  As the #debtfreecommunity grows and Dave Ramsey becomes a superstar there is more and more clutter on social media space about becoming debt free. I paid off a huge amount of debt in January of 2020 and I tell you – it is so fucking liberating. I feel like a part of me got my life back. Now I have the momentum I want to just crush out the last 30k. #justwatchme
background balance business commerce
Photo by Jessica Lewis on Pexels.com
  • It is probably because I have been watching so many vanlifers on Youtube but I really, really want to backpack around Mexico. It seems like a well traveled spot for my first solo trip in a super-duper long time. So, I have been gathering information for a bit of what I am temporarily calling ‘Yucatan Adventure: a Mexican Backpacking Trip for your 40ies’. I have got some holidays coming up – and heck, it is good to just think about going somewhere even if it doesn’t happen.  I have basically been scared to dramatically live for some time now and I need to baby step into a solo trip that gets me out there, ready to explore and to gain my confidence back.
colorful painted buildings
Photo by Raul Juarez on Pexels.com

 

  • I have all the vegan health books (Starch Solution, McDougall, Eat to Live, How Not to Die) – I have a gymvnt membership, a 30 min hit membership, BeachBody on Demand and WW – goodness I can make weight loss happen in 2020 (she types while eating seven eleven taquitos) Now what I really need to do it make healthy choices 90% the time so the number goes down on the scale. What is the best way to track my calories in vs calories out – unclear?  Obviously taking suggestions. I have become increasingly aware of my poor eating habits and I need to be super aware of the food that I put in my mouth and my workouts. Sometimes I am just so blissfully unaware of the calories in very unhealthy vegan food.
blue tape measuring on clear glass square weighing scale
Photo by Pixabay on Pexels.com
  • I need a style makeover, or I just need more clothes or need the weight to come off faster so more of my clothes fit me. But also, I have become a different person and I think I need a slightly different look. Maybe I just finally want to look my age or I have hit and actually 40 life crisis – I feel like I need a signature look. I need to start dressing for the success that I want to achieve. Because sometimes you just need to look the part.

 

  • The existential question – what do I want out of life? And is what I am doing enough? If I could have every day be the exactly perfect day what would it look like? Would I own a vegan cafe? Would I be a professional artist? Would I be married? Would I have kids? What is it that I am actually after in life?

 

I know – the mind can be a powerful took for manifesting greatness, you need to use it wisely. Think about things you want to manifest. So Friends, what kinds of greatness are you bring into this life?

Tell me below what is occupying your brain space in the early part of 2020?

 

 

 

 

Today is Strange.

I am literally having the strangest day ever.

Let me paint the picture for you:  It is about 430pm on a Monday – I am sitting in my car – a 2013 FIAT 500 2 door, hatchback – in Nose Hill Park in Calgary, overlooking the city – it is a pretty nice fall day.  I am anxious as fuck. I woke up this morning feeling like I wanted to write or create or something like that, mostly I just felt like I needed to get outta the house. It is hard for me to be in my own home (to be clear by own home I mean the room I rent in Calgary that is literally just a room rental). I left my house twice with my laptop thinking I wanted to find a café to drink a tea and finish a post I was writing about getting my finances in order. But I left both of those places feeling … off. And now, strangely enough, here I am, parked in my car with a beautiful view –  with my laptop, writing in my car.

I feel suffocated.

I feel so suffocated that I need to roll down my window in a dusty wind situation.

I have been feeling suffocated a lot lately. I am feeling that – plus unsure and not knowing. I feel lonely. I feel sad. I am eating my feelings one bag of NoName Sour Cream & Onion chips at a time. I am literally filling my body with swill. Every time I look in the mirror I make a comment in my head about my weight and how I look. I feel gross. It is like I stopped caring but I haven’t – like I have given up but I haven’t … I dunno what is going on in my head but here I am sitting in my car looking at the changing fall leaves feeling like something big is about to happen. I can feel it.

You know for a long time in life – I really used to think there was no harm in believing you were better than you were. Growth, you know. But as I approach my 40th year around the sun  I think it might be time that I take a different approach. Less dreaming, more reality. One time someone asked me if I still believed I was going to have a charmed life – he knew his life would be mediocre – at the time I didn’t realize that I was the very thing I hated. I believed I was better than I was, entitled to more than I am and was so gawd damn obtuse about it I didn’t know I was thinking it.

The winds of change have arrived.

The thing I am learning all the time is to feel less guilt and feel less shame and learn to feel more happiness, freedom and strength. I am a master of self help reading but not a master of self help doing.

I used to be an all-in kinda lady. Like if I was going out and getting fucked up – I was coming home the most fucked up, if I was getting high I was getting so gawd damn high I couldn’t keep my eyes open – like the kind of high that people worried about you (Gawd I miss that). There was no just have one beer or two. It was all or nothing. Then I spent a long time being a nothing gal. Recently I have decided I want to be a half in Gal. Somewhere along the way t become a better human I forgot that humans need to have fun. Then I realized I forgot what fun was like. I realized that I have become a hermit.

Anyway, sitting in my car I realized how great it would  to actually go after one of my big dreams. for example – I have wanted to rebuild the interior of a van to live and work in. I have been dreaming of the tiny living for sometime. Instead of committing to a sprinter van and a permanent van home – maybe I can commit to a caravan and weekend warrioring. See what I am getting at – I set my bar to high and then get sad when I don’t achieve it.

I have an end of year move thought lingering in my head, a huge debt repayment happening and then things will begin to shift. I am ready.

Self reflection, Friends, it is a part of growth. It is needed. In whatever strange way to let it happen. For me, today, it is sitting in my car on the top of a hill, writing out my feelings. Thanks for coming along of the journey.

Where are you at in your goals for 2019? Are you making things happen??

xoxo,

C

 

10 beginner things to do right now to START getting your financial shit together …

It is 2019 and you know what is sexy as fuck … being a financial badass!

You know what else is sexy??  …. having a handle your your money, being an adult and dealing with your shit like a mother fucking boss. The more I get my money shit together, the more I don’t get the people that don’t.  Seriously though, those are words I never thought I would ever say. Truth is I used to be a wreck, I really did  … but times have changed. I’m all grown up … so here is a list of things that helped me get started on my path to financial freedom:

 

  1. Become financial literate. Read. Listen. Research. The only way to learn about how to get your money shit together is to actually learn about money. Do your homework. Start following some budget gurus. Find someone that you can relate to when they talk about money – there is a lot of information out there – take the time to learn about it. Put it into practice.
  2. Get real with yourself – What do you owe? You can’t start anything until you make an honest effort to understand what you owe. You need to open up all the statements and process the amount owing, the interest you need to pay, how far you are behind and what you need to get ahead. You need to answer all the  creditor phone calls and figure out where you stand. As scary as it is – you just need to know the damage so you can move forward.
  3. On a spread sheet – either pen and paper or an excel spreadsheet – list out all the debts. Even better – list out everything you need to spend money on every month. All the debts & their interest and their payment dates. All your other bills – all the due dates. Where is your money going every month? You need to know this so you can you can tell your money where to go instead of panicking and trying to figure out what to do with what is left.
  4. Open a second (or third or fourth) bank account, you need to have at least one for bills and one for spending. Only carry the card for spending so you only spend your spending money. You need to have separate accounts for paying delinquent debts and collectors and only one place if you have agreed to let an automatic deposit come from your account. An unpopular opinion but something I do – stop all automatic payments and actually pay things yourself. if you chose to do this – you need to actually make the payments and be SUPER on top of your money.
  5. Pay. Things. On. Time. …  you need to avoid more interest, late payment charges, NSF charges and basically anything that requires you to pay extra on the debt you are already paying.
  6. Figure Out a Starting Snowball – pay minimum payments on everything accept the smallest debt – anything extra put on the smallest debt until it is pad off. Feeling the mother fucking joy of actually paying something off will motivate you to pay off other things.
  7. Cut Out All Extra Expenses – Do you need that latte or can you make a delicious coffee at home? Do you need that book? Can you go to the library? or read it online?
  8. LIVE WITHIN YOUR MEANS …. your rent/ mortgage should not amount to more than 30% of your income. Tally what your take home money is … and figure that out. Are you paying to much to live? Can you make it cheaper? Get a roommate, Airbnb, Short Term Rental?
  9. COOK FOOD AT HOME. I know, I know – but it is so much cheaper.  Learn to cook, drink some Kumboucha with dinner or Wine or whatever … MEAL PREP, MEAL PREP, MEAL PREP …. if you tally up how much your spend monthly on food it is probably insane – cooking a good portion of your meals at home is healthier AND will cost you less money
  10. Find hobbies that a) keep you fit and b) earn you extra income … free hobbies are the best hobbies to find while you try and get your financial shit together.

 

Keep yourself sane – make a treat wishlist for when you hit certain financial goals. Paid off the first credit card – maybe you can treat yourself those shoes you really wanted – paid off you massive soul crushing student loan – maybe it is time for a new laptop. You get my point – in the journey to get yourself in a better position you need to treat yourself as well …

That is all I have for today – still plucking away on the second debt in my snowball. Feel the pending joy already.

Baby steps to big success,

xoxo

C

The One Where I Disclose My Student Loan (and other) Debts ….

*** disclaimer if you are someone who is sick of hearing about my financial journey, don’t want to hear about white girl money problems or just don’t care about this stuff – this post isn’t for you

I am gonna be honest with you living within my means actually kind of sucks.

Truly it does.

I never really lived outside my means – but I certainly didn’t think about the financial ramifications of my adventures abroad or the financial cost of post secondary while I took out loans and didn’t work my way through school.

It wasn’t until my mid to late thirties that I actually looked at my financial situation and thought “oh fuck, I am in some serious trouble!”  but the panic – that was some time a few years later –  maybe 4 years ago-ish. I started to notice that while I was paying my bills it wasn’t actually doing me any good. No progress was happening. Some of them had such a high interest rate that my payments weren’t really doing any good. I was barely paying the interest. I wasn’t paying down the body of the loan at all. Not only that – in some instances it was like I was throwing money away. Thousands of dollars.

I honestly wondered how it was even legal. I also realized that the more of a mess your finances become – the harder it is to claw yourself out. I know that sounds like a no brainer – but I legit mean the part where you start to get penalties for late payments and the non sufficient funds charges – the non stop calling for collection agencies and all the other stuff that make you feel like you are drowning in a super bad situation.  No one will give you credit to consolidate and no one can help you. I remember a time when Dell used to call me 15 times a day. There was a time that Royal Bank charged me so many NSF charges and then added interest on that that I was negative $900 in my bank account and I didn’t have over draft.

I started to read a lot of financial books, listen to podcasts and realized that I needed to do something different.  Drastically different. I really needed to take a handle on my money situation and somehow figure out a game plan where I wasn’t going to live the rest of my life in a mediocre, stressed about money, never having any fun kind of way. I also realized that marrying rich was probably not going to be an option.

I got myself into this mess, I sure as shit need to get myself out.

The financial snow ball.

When I started flying and my income changed is when I really started to make strategic moves and financial decisions. For the first time in a long time I could see a financial plan coming together. Early on I sat down and made a full repayment plan for my debts. It was a 3 year plan but something that I could feasibly do and I felt confident in my success. I actually started to budget and pay my bills first. Telling your money where to go before it disappears was better for me than – doing what I wanted and then trying to pay bills with the rest.  I had to let my stocks vest an entire year, an entire year of putting 20% of my income in a fund (that got matched dollar for dollar) that I couldn’t touch no matter how hard it got. An entire year it took me to get used to living on less – all for financial wellness and debt repayment. I am not gonna lie it hasn’t been easy but I toughed it out  – I sacrificed my social life to live off of less.

Want to know feeling low ?? Feeling low is being almost 40, single, barely making minimum wage and trying to claw yourself out of 60K worth of debt. All while putting 20% of that income away.  Feeling low is seeing all your friends use their travel benefits while you eat ramen noodles complaining that you can’t lose weight. Feeling like none of the education you thought you needed is getting you were you need to go. Feeling completely and totally worthless because you work so hard and a treat of a Cancun overnight financially derails you because you cant afford to eat food on the road. Feel that – that is low.

The debt.

(This hurts but) here is an honest look at what I owe. I feel like to some it isn’t much, to me it is almost crippling the amount of stress that paying this causes me. After I pay off my bills there isn’t really that much left to feed myself, fuel my car and do everything else you need to do in a month. Social times, clothing, prescriptions and any incidentals come from the pool of $150-200 every two weeks.

I have rounded up some of these numbers just to make for easy math but here we go – the actually debt in point form in no particular order :

  • Back taxes owing to the government of Canada because I wasn’t getting taxed properly at my side hustle (in 2017) Owing $2500
  • Alberta Student Loans – I took this loan out in 2003-06. I have probably paid at least double what was originally. Currently owing $2500
  • Nova Scotia Student Loans – I took this loan out in 2012-15. In collection with the GOC, in good standing, am no longer being charged interest. They collect a set amount from my bank account every month. Owing $6500
  • Canada Student loans (Federal Loan) – HOT FUCKING MESS. This loan is in collections with the GOC.  It is a combination of amount owing from 03-06 and 12-15. They want me to pay $925/ month. We have made an agreement that I can pay $200 because of my current monthly income. I can barely afford that $200. I often miss this payment. I am now at a point that when I miss payments the cost is garnished wages. That $200 barely covers the interest that is accruing at $5.19/day. The only way to get it out of collections is to put $4000 on the loan. As of today owing $35000
  • Car Loan – I couldn’t afford to buy a car out right so I needed to get a car loan. It is 12% interest. It is what it is – this car saved my life. Owing $7500 (in case you are wondering I owe more than the car is worth so selling it currently is not at option even though I have thought about it – but also with all the trips to the airport I do need a car)
  • Credit cards. I have one. It is maxed. amount owing $2000

 

Financial Decisions that I made that have helped my snowball.

This summer I found a new insurance company. That saved me almost $1500/year on my car insurance. So instead of paying $108 every two weeks. I am paying $138 per month.

I pulled out some stocks in July to help me catch up when I got behind on my bills. Which actually helped me stay on track, make payments on time and not get to back logged on my bills.

I paid the first debt in my snowball off. I currently no longer owe money to the government for back taxes.

When my company rolled over the way we get paid to twice a month instead of every other Friday. I read the emails, I prepared and I changed all my monthly payments to line up with this new structure.

I got a second job so I get 4 paychecks a month.

I have recognized that I needed to restructure my snowball because if I can pay off something that frees up more money a month – I will actually have more money to pay off bills. So I restructured the order of my debt repayments. Learning the best way to tackle things and changing my plans to be more effective – just straight up financial badassery!

I started meal planning and prepping and actually paying attention to what I bring in my lunch bag so I have less food waste.

I took the summer off from drinking on the road – just to get my shit together and it was worth it. I am pretty sure Umbrella drinks in Puerto Vallarta are going to be extra delicious this winter with all my planning and financial success.

One of the biggest and best things I have learn this last year of financial badassery – that I can only focus on one big life goal at a time. If I try and take on to many things nothing gets done. So while I would love to be focusing all my energy on my fitness or on writing or podcasting or other things – my biggest goal and where all my attention goes is taking care of this mountain of debt and paying things off – one by one.

 

So, there you have it friends – an open and honest conversation about dealing with financial fuckery and some of the things I did to get myself on track. I know that I am not alone – so lets discuss some of your financial badassery …. go on, tell me something good!

xoxo,

C

 

 

 

I AM WILLING.

Lately I have been reading all sorts of books that I need time to think about, not like your typical fiction stuff that you can just plow through but the non fiction stuff that maybe you want to slow down and think about – process if you will.

Finally this last pairing I got into a space where I could actually think about the stuff that Gary John Bishop writes about in the Unfuck Yourself book.

Literally I want to say this is the maybe the first chapter.

(write 4 sentences take a phone break – this is why these things never get published)

Anyway – willingness. Am I willing to do what it takes to get what I want?! The thing is – for a lot of things, the answer to this lately has been just a big fat fucking no! Am I willing to change the way that I eat? Am I willing to start exercising more? Am I will get another job? Am I will to do things that make me uncomfortable to get the things that I want? Am I willing?

The answer of course has to be yes. But lately I have noticed that I can be really lazy and unmotivated. And normally my friends just say, hey – that is okay – sometimes you need a lazy day – and then I continue to just be lazy for all the days.  When the truth is – I need to use my time more effectively, I need to use my time more efficiently, I need to use my time instead of Netflix-ing my time away.

I am just so damn suggestible – just saying that makes me want to flip on something on Netflix and watch an episode, which will turn into multiple episodes and I will dwindle my day away and not push myself because instead of failing  – I just don’t do.

INSTEAD OF TRYING I GIVE UP AND STOP.

Often I just claim I can’t – I give up often before I even begin. I think the years of instant gratification has caused me to truly believe that I can’t. I used to be able to just put my mind to something and focus and just do it. I was known for it. But since I plowed through all sorts of things – some with success but many without success I have stopped believing in myself. It is crazy when your really start to look into problems and what caused them, how that can be your ultimate tool for growth.

I have learned that I give up easily. One bad date and I don’t go out again for months. I eat right for a couple days and don’t go down on the scale – I eat a monster bag of potato chips. I eat good for a day and I reward myself with chocolate cake – I mean it’s vegan so it’s good for you, right?! If I literally just finished writing all the blog post that I half-assedly started or even just friggen hit publish I would be in a whole different space – but here I am …

So my question today is .. Am I willing? Am I willing to make the necessary changes to get the things that I want? or am I accepting that I want to stay where I am because I don’t think I am worthy enough for something more.

So here I am on a Monday challenging myself to ask the hard questions, Am I willing to put in the work? And if not, what exactly is holding me back? Ask yourself the same thing the next time you are seemingly struggling with something – are you willing to just do what it take to have the things that you want.

It is true that we are the one thing that is standing in the way of our own success.

Go on – tell me – what is the one thing that you want most that you haven’t asked yourself if you are willing to do the work to achieve it??

 

The One Where I Talk About Debt Fatigue and What I Am Doing About It.

 

 

Debt fatigue occurs when a debtor becomes overwhelmed by the amount of debt incurred and the seeming futility of the debt repayment process, and it may result in a debtor giving up on making loan payments and beginning to overspend again.

This is for real and my life. DEBT FATIGUE. As of April 2019, I am feeling some serious debt fatigue. I have a few weeks of holidays right now. When I bid for these holidays, I actually had thought I was going to be in Asia for a few weeks. I am not in Asia – I am sitting on my friends couch hanging out with her cat listening to podcasts and writing this blog. I am not in Asia because I don’t have money to be in Asia. Since shit went down in my life in Montreal I have been very careful with my spending and hyper focused on paying off my debt. But the reality of focusing on paying off debt is that I have been feeling the debt fatigue for awhile.

The thing is I am not even sure if it is debt fatigue or if I am just not making enough money.

In the past I have made some really bad financial decisions. I bought into the student loan thing for a university degree then I bought into it again for a college diploma – and now I am working a full time job that I am not sure I even need post secondary for … I am now looking for a second job that is so far removed from either of those things just so that I can pay off students loans for a degree and a diploma that I am not using in the conventional sense.

About every 6 months debt fatigue happens to me. Everything goes to shit. I stop paying my bills, break free and do something financially stupid. Go on a trip or spend my entire payday on shit that I don’t need. Or just stop paying my bills. It gets so damn exhausting paying bills and putting everything towards my debt. I then feel guilty and spend like 6 months recovering from the financial mistakes that I made. The thing is sometimes it feels like I am not even making a dent in my overwhelming amount of student loans.

I have written about side hustles in the past. I have had 2 jobs many times in my life – I have no aversion to hard work, but I promised myself I wouldn’t work two jobs when I started flying. But after almost 2 years I think I am looking to restore a little bit of balance into my life. See I invest 20% of my payday, every payday into stocks. I am building a nest egg to pay off my loans – but that is leaving me with not so much money when its all said and done. – not so much for right now money. So, I end up flying more, then I am gone more and the cycle just keeps repeating itself. I need to be home a bit more and the only way I can do that is if I make money from another source. And here we are May 2019.

It is Wednesday night, May 1st and I am listening to Dave Ramsey and trying to refocus my priorities. I do realize that this might mean doing things that I don’t want to do. Manifesting debt reduction is happening. My plan is in place. I just need to keep pushing myself. It has come to my realization that I need to use my free time to make some more money – it doesn’t matter what it is just need to put cash in my bank account.

So what do I do about the debt fatigue??

• Stop, Breathe, Relax, Put my wallet and credit card away.
• Start applying for second jobs and ways that I can bring in extra income.
• Only drink free coffee on the airplane, drink free coffee in the hotel room, stop buying coffee out – goodbye Starbucks for a little while (yes, the latte affect)!
• Think about it, write about it, put my stress onto paper instead of on my waist line or my bank account.
• Look at the money growing in my stocks and see the nest egg I am building that is making it all worth it!!
• Remind myself how cool thrifting is and how wicked it is for the planet and how lucky I am that I have a uniform job, so I don’t need to invest in work suits and clothing that I would never wear in real life.
• Make a new budget that is more attainable.
• Talk money with my friends see what they are doing – how are they making ends meet?
• Realize I am not alone but also realize that everyone’s journey is different.
• Remind myself that future me will thank present me for getting a second job and getting my shit together!
• Breathe in some lavender and relax!
• Budget into my spending that this will probable happen again in 6 months time and plan for it, because making a financial plan to work through expected debt fatigue is probable the smartest thing I can do.

Have any tips for me on dealing with debt fatigue? I would love to hear them!