Pollyanna versus the Money Monster

Lyda here.

Oh, that old Money Monster keeps growling at my door. I’ve been working on taming it for more than three years. It still growls at me, but the actual bites have gotten less.

Things were bad. Really bad. “Life completely fallen apart and losing everything” bad. I felt the Monster crushing me in his slavering jaws, and I surrendered all hope.

Fortunately, I have amazing friends and family. They didn’t let me spend the rest of my days curled up under a park bench.  They helped me, pulled me, pushed me, to deal with the immediate stuff. They were there for me every time I started to give in to the despair.

Once the immediate crisis was resolved, I still had to deal with the fallout. I just felt overwhelmed. I had to take one day at a time, slowly rebuilding my life from the ashes.

This book, Money Drunk, Money Sober, by Julia Cameron and Mark Bryan, helped so much. I have been working my way through it over and over again. Every time I get flustered or frustrated, I just return to the book. I cannot recommend it enough. It should be required for everyone.

Even figuring out where to start rebuilding my financial life was scary. This article helped me. My favorite part is The Prioritizer. This works for anything, not just financial goals but life goals. It can help you prioritize organizing, what movie to see first, or anything else.

There are tips of all kinds at CNN Money: Money 101.

Making manageable realistic goals helped a lot. Baby steps. I’ve been paying off debt for three years. It continues to be a priority. Now that I have the debt-repayment in hand, I can focus on some other steps.

Like improving my credit score.

This week I went on Credit Karma and checked my credit score. You can do it on their website for free. You can also see and print out your three credit reports.

I can see that I’ve got some old stuff on my reports that should have been cleared, so my next step is to work on getting these items removed.

One step at a time.

I’ve made a lot of progress, but it feels like there’s still a long hard slog to get where I want to be.

But I know I can get there if I just keep moving. Slowly is okay. Pausing for a while is okay. Even moving back a bit once in a while is okay. Crawling under a park bench and staying forever is not an option.

One of these days, I will look that Money Monster in the eye and realize that it isn’t really a monster. It’s just a beast, and a beast can be tamed. A beast can become an ally. The Money Beast and I can work together.

One of these days…

 

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