I Have A Question For You

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What would your life look like if you had no debt?

– Would you make different decisions in your day-to-day life?

– How much money are you spending every month to pay off your debt? What would you use that money for if you had it available?

– Would you have a different job then you currently have?

– Would you put money in savings?

– Would you spend differently?

– What does financial freedom mean to you? What does it look like specifically?


What does your ideal life look like and can you achieve that goal with the debt baggage and financial obligations you currently have? 

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10 thoughts on “I Have A Question For You

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  1. Life [Comma] Etc

    I do a bi-monthly pie chart check in that outlines how much I spend on debt (http://www.lifecommaetc.com/2012/04/its-may-pie-chart-party.html) and I've got to say it's the most depressing and cold-shower-feeling I get. I cannot WAIT until we work through this!!

    I also do a weekly Pie in the Life and I am always looking for submissions! So anyone reading, check it out here (http://www.lifecommaetc.com/search/label/A%20Pie%20in%20the%20Life) and email me if you would be interested in sharing!!

  2. Bridget

    I'd split the extra money into savings for travel and investing in the stock market.

    Oh and maybe save up for a car!

    I would also buy a fabulous pair of pink jeans.

  3. Sarah

    If I didn't have my debts I would be saving money I think. I would also be paying my half of the household costs (instead of just contributing).

    Or, I might be able to take a different job but one which would eventually pay more/satisfy me more.

    The possibilities are endless really.

    As it stands I am managing and getting closer to being debt-free with each passing month.


  4. Lisamarie

    If I didn't have so much student loan debt from law school, I would probably take a less stressful, still legal job and start having kids. I need my current job (which is very time consuming and stressful) to pay for the student loans. Wicked cycle. I would also then save more money and take more vacations. Oh what a wonderful life that would be!

  5. Kara

    I think about this a lot! My husband is entering his second year of law school and it's strange to think that one day we'll (hopefully) have a really good income in our household (besides my puny nonprofit one!). We talk a lot about how learning to budget and save NOW will serve us so well in the future – if we can do it on a small income, we'll hopefully be pros by the time we're no longer just scraping by!

    I think we'd pay bills, have some fun, and save save save.

  6. Cheryl

    Thoughts and plans for what my life will be like without debt are what keeps me going every day! My whole adult life has been lived around keeping up with student loan debt payments (I was a sadly ignorant teen who never questioned the agreements I was signing in college). I feel like I've been waiting 12+ years already just to start my life (with another 3 or so to go!). I will travel – I can't wait to see the world. I will also likely change my career path to something non-profit working with animals, as the corporate office work I've done for the past decade is because of salary and job security (to keep up with the debt payments), and is not at all fulfilling. I'll definitely be saving more in general, and saving more for retirement too. I'm just looking forward to not worrying so much about money and payments all the time!!

  7. Meghan

    I'll travel all around the world, taking at least one 3 week trip a year. I don't plan to quit my job as it has pretty good vacation time. :) Just knowing that my Excel spreadsheet will one day track assets instead of debt makes me happy.

  8. Charlie

    If I didn't have debt, I wouldn't be living at home with my parents so it would mean more freedom, I would also be working towards paying my car off sooner but that is a debt that I can live with for now, my credit card debt however is not.
    I would also not be stressed out about things I agreed to before signing the debt free pledge like my family holiday to Bali in November but I'm taking everything as it comes and working the best I can towards my future plans. And also if I didn't have debt I would be further towards my dream of running my own cafe someday.

  9. Michelle

    I think about this all the time. I went through a long period of time (2008-2012-The Great Recession) frustrated because I had so much student loan debt, a mortgage, and credit cards. I wanted to hep family, travel, or switch jobs but couldn't because of the above debt. It has been overwhelming. Now, I'm focusing on the debt and hope to take care of everything so that I can embrace whatever opportunities come my way!


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