16 Things I Won’t Miss About Being in Debt


I’m a really positive person. Sometimes annoyingly so (just ask my husband, hehe). ๐Ÿ™‚ I think it’s one of my strengths. But everyone is entitled to a whine now and then, right?

Getting out of debt is not fun, and it’s not always a happy experience. Quite frankly, it sucks! ๐Ÿ™‚ Debt fatigue is real and some days the feelingย hits hard. After making great progress in February I thought I earned a vent so here are 16 things I won’t miss about being in debt.

things I won't miss about debt

#1 – Not being able to pay my bills on the first of the month.

In an ideal world I want to pay all of my bills for the 1st – 15th of the month at the end of the previous month, and then pay the bills due for the second half of the month around mid-month. With debt and a tight budget, it’s not possible.

#2 – Playing the “which bill is most important?” game.

The bills are due but you don’t have enough cash to pay them all. What do you do? Which bills are the priority? Are you making the right choices? Stress!

#3 – Late fees! Related to #1!

When you just don’t have the cash to pay a bill on time, late fees kick in, and the debt struggle continues. So frustrating!

#4 – Credit card fees and interest.

I’m starting to really hate the word “fee” altogether. Are there any good fees in the world? We pay – via fees and interest – to use credit. We pay to be in debt. Because we are in debt, we have to pay more and more (fees and interest just keep rising). I can’t wait to kiss it all goodbye!

#5 – Seeing my husband upset and discouraged.

He works so hard, and he doesn’t get to enjoy his hard earned money. It makes me feel like a failure as a wife.

#6 – Not being able to spoil my friends and family.

I love my family so much. I wish I could buy them the world. I want to give awesome gifts just because, make birthdays and holidays extra special, and just express my love and appreciation through presents, trips, and eating out! But I can’t!

#7 – Feeling helpless when my loved ones are in need.

I feel the urge to spend when times are happy, and when they are not. When someone in our family is struggling, it hurts to not be able to help. Sure, money isn’t the solution to every problem, but there are many ways it could help to brighten a loved ones day.

#8 – Wasting time on the phone.

Debt and trying to get out from under debt leads to many wasted minutes on the phone. Calling to make a payment to avoid a late fee. Calling to reduce a bill or lower a rate. Calling to inquire about financial aid or to settle a debt. Calling to check a balance. Calling to cancel a service. Calling to set up a payment plan. Calling and holding, and holding and holding …

#9 – Mom guilt.

If we weren’t in so much debt, what else could my kids have? Would we have decorated their rooms? Would we have professional pictures taken? Would we be going to music class and swim lessons and more outings like trips to museums?

#10 – Being fearful of checking the mail.

Although this has improved greatly over the years as we have worked hard on our finances, there is always the fear that each envelope contains bad news. Another bill, another debt, another hand held out waiting for our money.

#11 – Never taking a vacation.

And I mean never. My husband and I will celebrate 5 years of marriage in 2016 and we have never taken a vacation. We didn’t take a honeymoon. We have never been to the beach as a family, or gone to Disney World, nothing. One of the reasons to get out of debt is to free up money to do more traveling!

#12 – Not making my own choices.

I am very lucky that my mom (aka Grandma) loves to shop for cute clothes for her grandchildren. We have been gifted so many items and rarely have any needs in that department. Sometimes when I am passing through a store, I do wish I could make my own choices and shop for my boys. But when you are in debt, you only buy things you need, not want. I can’t justify spending money on cute clothes when we already have so many at home!

#13 – Being stressed by others mistakes.

In February we had a paycheck error. Money owed was left off of the check and it took quite a bit of time to be corrected! Not having all of your money arrive on time is extremely stressful when you are living paycheck to paycheck. I look forward to the days when something like that won’t phase us at all, because we will have money in the bank to cover emergencies.

#14 – Social media jealousy.

I’ll admit to it – I’m jealous! I don’t know the full story (maybe you are struggling with debt too), but I’ve been jealous of you. Your posts about vacations, family activities, new clothes, new toys, date nights, and so much more. When you are trapped at home by your debt, avoiding spending at all cost, it seems like the whole world is out living life to the fullest.

#15 – The “on the edge” feeling at the end of theย month.

When each month is close to ending I feel noticeably tense. We may have had a great month and the budget is looking perfect – which makes me nervous! I stress those last few days becauseย I don’t want to spend any more money, run out of food, or have anything unexpected happen.

#16 – The highs are high but the lows are low.

Each success feels wonderful! But then reality hits and I realize how far we still have to go. We still need to make more money and we still need to pay off so much more debt! We still don’t have a savings and don’t even make me start thinking about retirement! It’s very easy to get discouraged on this journey.

things I won't miss about debt

Your turn! Anything you want to whine or vent about?

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  1. Oh yea, these things are all so real and raw. All that stress, paying more because of the debt, living paycheck to paycheck is so rough! It’s so hard to get ahead!
    Julie S recently posted…Get Organized for Tax SeasonMy Profile

  2. You’re stressing me out with all this debt! I can tell it’s weighing heavily on you. We are luckily not in debt, but moving and starting over has its own challenges. When we first moved to Australia, I couldn’t believe that as my husband was making the most he’s ever made, and yet we felt poor some days, not being able to eat out, not having a car, waiting for the next paycheck to buy groceries. Was very stressful for me not being able to get work too.
    Lana recently posted…Awesome Artists : Tim MillerMy Profile

    • Oh no! Don’t borrow my debt stress Lana! ๐Ÿ™‚ That’s awesome that you are debt free even after such big moves!

  3. One of the most satisfying feelings in life is getting rid of debt. Your motivation is all 16 of these things! Every penny you pay down gets you that much closer to the prize!
    Shirley Wood recently posted…Mandarin Orange Salad And 4 Ingredient Mandarin Orange DressingMy Profile

  4. We were so far in debt 4 years ago we had to file bankruptcy to keep our home. Now we are slowly rebuilding our credit. I get it.
    Rebecca Bryant recently posted…Wordless Wednesday #ZOOTOPIAMy Profile

    • Oh Rebecca, I’m so sorry you’ve had that experience, I’ve heard it is a really tough journey! Thanks for understanding! <3

  5. I think it’s great that you’re working so hard to get rid of your debt. Unfortunately it’s an easy trap to fall into, and it takes real dedication and commitment to get out of it. Good luck! I’m rooting for you!

  6. Nice list of reasons to avoid debt. Only debt we have is our mortgage though we do use credit cards a bunch but make sure to pay them off every month. Having some open credit with regular payment history is good though if you ever need a loan so being entirely debt free may not always be a good thing.

  7. Yes those are ALL things I would not miss either. Debt sucks and the sooner you can get rid of it the better you life will be!!
    Gloria @ Homemade & Yummy recently posted…Irish Soda BreadMy Profile

  8. Yes to all of those! I feel the same. I’ve been trying for years to live as frugal and spend-free as possible. We just started having to pay hubby’s school loans in January and so now we are trying to be debt free once again. It’s so stressful and frustrating. Since I just started working outside of the home again a month ago, I am so stressed about getting the paychecks and paying all our bills on time. Now I’m just trying to find ways to save anywhere I can. One thing I won’t miss is being able to buy something when I need it. I don’t remember the last time I updated my wardrobe. Because of that, a lot of my clothes are getting very worn out and I don’t have many options when it comes to outfit pairing. I’m very good at hiding these worn out parts. But, I can’t wait for the day that I can actually go shopping to replace some of these items.
    Gina recently posted…My All Time Favorite Green Clay Face MaskMy Profile

    • Oh gosh! I can’t believe I left clothing off my list Gina! I totally understand your frustration there because I have very worn out clothes too!

  9. I can relate to pretty much all of these. Taking out a home equity loan to consolidate and pay off our credit card debt helped a lot with the fees and interest and some of the other things you mention, but it brings its own stress, because now our house is really on the line for our debt!
    Amy @ DebtGal recently posted…March 1 Debt Summary & February Side Hustle IncomeMy Profile

  10. I can relate to a lot of these! We’re doing our best to get by as a one-income family for now, but I never pay bills as they come in anymore. I always wait till they’re due and then decide which is the most important, leaving some unpaid or part paid – stressful! And the time on the phone – thankfully my phone is broken, which means the bank can’t call me for now, that’s kind of nice ๐Ÿ˜‰
    Robyn recently posted…LOVELY THINGS ABOUT TODDLERSMy Profile

  11. I can hear you! I am often dealing with debt stress, but ours is really not that bad. I just seem to like to stress out about it. All of the things you stress about have been stressed about by many others. I guess there must be comfort in knowing you are not alone and that one day, you will be free of debt and much smarter
    Cynthia L recently posted…Homemaking and Gardening – Tips and Calendar March 2016My Profile

  12. I’m sure your readers are nodding right along with you! It is definitely easy to get discouraged but you are taking the right steps to tackle your debt. When I was on a year maternity leave with my daughter we kept spending like we normally do, until Christmas and a wedding in Mexico came up… and we owed taxes! It was an awful situation but we learned a lot from the experience… We spent a good year not leaving the house to tackle the debt. We did a lot better during my second mat leave but are still in a bit of debt, which drives me crazy. I must say an emergency fund has been our saving grace multiple times since my hubby can be laid off!
    You are doing fantastic!!
    Tori recently posted…Car Seat Safety Tips To Protect Your BabyMy Profile

    • Thanks for the encouragement Tori! ๐Ÿ™‚ It’s funny, my first and second maternity leaves were different too! I think after the first baby we just felt like celebrating for so long! ๐Ÿ˜‰

  13. Oh yes, the social media and real life jealousy is real! I try hard not to be jealous, but it happens. I had a Facebook acquaintance have a purse stollen. She commented on FB that it was “only the Longchamp, not the Kate Spade. ” I was livid for hours after that. If I had the money for a Longchamp purse, I’d be pretty bummed it was stolen. I can’t imagine having one designer handbag, let alone several!

    You’re on the right track! Keep going at it.
    Hannah | Eat, Drink, and Save Money recently posted…How nosy are you about other people’s spending habits?My Profile

    • I’m so poor I don’t even know what a Longchamp is Hannah! LOL ๐Ÿ™‚ I had a “nice” purse according to my standards and took it to consignment last month! I need to take social media breaks when the debt fatigue flares up!

  14. It’s so hard not to compare my circumstances to others, especially Facebook friends taking vacations, going out to eat, and generally doing fun stuff when I feel broke and stressed. I try to remind myself that I don’t really know their circumstances…maybe feeling broke and stressed and going without now means that in 30 years I will be fine while they are trying to pay off debts they are accruing now.

    (Don’t know whether that’s ACTUALLY true, but it helps me deal with my jealousies.)
    Emily @ JohnJaneDoe recently posted…Cricket Review: Cell Phone Service Beyond the Big FourMy Profile

  15. Thankfully I have no debt whatsoever. I’m glad about that. Except I’m in the complete opposite boat with no credit whatsoever to speak of. It can still make certain situations tricky, like renting a car.
    Crystal recently posted…Shrimp Lettuce Wraps with Mango Salsa & Avocado CreamMy Profile

    • Dave Ramsey talks about that a lot Crytal (not having credit or credit cards) and says there are plenty of companies that will rent you a car with a debit card! Just have to ask around!

  16. #2 for sure. I hate those months where I figure out which bills need to be paid (the ones without late fees) and the ones that will have to wait. Based on how much we can afford to pay extra each month, we won’t be out of debt for another 10 years. I find that depressing so I try to just keep plugging along and focus on the now and the small wins. ๐Ÿ™‚
    Julie @ Logger’s Wife recently posted…Four Reasons to Love SwagbucksMy Profile

    • Don’t give up Julie! So much can happen in the next 10 years and you might get out from under your debt even sooner!

  17. I can relate to #9 and #15 – we’re not in debt, but on a super tight budget that doesn’t really allow for extras. I wish I could pay for activities for kids – not a bunch but just one each. Luckily there are free activities for kids or places with really great scholarships, which I’m not afraid to ask for if it’s something my kids are interested in.
    Angela @ Setting My Intention recently posted…Happy Birthday, Dr. Seuss!My Profile

  18. Numbers 1, 2, 3, and 4! Yes! I get so guilty if I have to pay bills late. I feel so bad but sometimes there’s just not the money for them right?
    Brittney Guise recently posted…Make Homemade Butter with Mad MillieMy Profile

  19. I’m so with you on all of this! Thankfully we don’t have much debt – we just don’t have much money. Hopefully my other half will find a new job soon and ease the pressure, but at the moment I constantly feel like I’m juggling plates trying to make ends meet. x #FridayFrivolity
    Jess Powell (Babi a Fi) recently posted…Friday Frivolity: First World ProblemsMy Profile

  20. Completely agree about the lows debt brings into life. We found it put an immeasurable strain on our relationship and we are so truly grateful to be living debt free now.

  21. Thank you so much for sharing this at 100 Happy Days! I have spent several years trying to get out of debt and I’m almost there. I have learned a hard lesson and now I know that nothing I charge for personal wants is worth the time and effort to pay it off!

  22. This post gives me flashbacks to when I was in debt and living paycheck to paycheck. I don’t miss the sleepless nights worrying about money.
    Savvy recently posted…Learning About Swagbucks From Angie of Angie’s AngleMy Profile

  23. Girl, I’m with you here. We don’t have credit cards, and so we only purchase what we can afford. I can’t work much outside the home and I can’t get disability. Levi is also unable to work, medically. So we are in a spot too. You are tackling this so smart, and I love reading about how you are proceeding. Keep it up, groan once in a while, you deserve it! But, be proud of yourself, always. You are teaching your kids to work towards a goal, and hopefully they will be better off in the future! Huge hugs, you got this!

  24. What an amazing feeling to be almost debt free. There is so much stress associated with being in debt and I remember when I was younger and in that ‘end of month’ zone where you wondered if you could cover everything. Thanks for sharing with us at #OvertheMoon link up I’m sure there will be many who can take something away from your post.
    sue recently posted…Over the Moon Link Up #13My Profile

  25. This post is very relatable. Debt sucks! It makes me anxious and I hate thinking about it!
    Healing Mama recently posted…Whereโ€™s The Pause Button On Life?My Profile

    • Oh man debt does suck big time! But thinking about it and facing it head on is actually reducing my stress and anxiety!

  26. I am working om paying off my debt, and can’t wait to be done! You have some great points here! Thanks for linking up to This is How We Roll link party!

  27. Ugh, totally feel these with you! And you definitely deserve a chance to vent sometimes. You are doing great!! Keep up the good work!! This too shall pass. ๐Ÿ™‚ *HUGS*

    #FridayFrivolity — pinning and tweeting!
    Sarah Eliza @ devastateboredom recently posted…READ or DON’T Read – A Book Review in Miniature of The Happiness Project by Gretchen RubinMy Profile

  28. All those things stink but you will make it through this and it will feel so good when everything is paid off! We don’t always have a lot of extra money because of the fact that I quit my job when we moved to Florida (don’t let people fool you…teachers make a decent salary once they have a few years in).

    I also get the social media jealousy when I see people on fabulous vacations so I’ll tell you right now that if you see me talking about my end of April trip, just know that I used FF miles and will be staying with family ๐Ÿ™‚ I could never afford it if we had to actually pay for it all…LOL!
    Lisa @ Fun Money Mom recently posted…St. Patrickโ€™s Day โ€œEnd Of The Rainbowโ€ Chocolate Pretzel Treats (with free gift tag printables)My Profile

  29. Oh man… I have to admit… #2 has happened too many times to count! Usually results in a few extra side hustles that month and then paying it later in the month. But yeah! Love you debt and personal finance posts ๐Ÿ™‚ I feel like I want to share it with the hashtag #TrueTalk ha ha ha… Thank you, as always, for sharing on the #SundayBlogHop it’s always great to “see” you!
    Jenn Peters recently posted…Hipmunk Hotels: Affordable Hotels in the Deep SouthMy Profile

    • Love the hashtag #truetalk Jenn! That’s hilarious ๐Ÿ™‚ I would love to be a part of your mastermind that sounds awesome! #mypeople ๐Ÿ˜‰

  30. I can definitely relate to most of these – especially “never taking a vacation” and “social media jealousy”. Every day when I check Facebook, I see my peers buying homes, having babies, and traveling the world. I have to remind myself that they might be financing their lives with debt or they might have been fortunate to have help from their parents (instead of taking out student loans). My hubby and I are working our way out of six figure student loan debt. It’s tough to make sacrifices, but it’ll be worth it once we’re out of debt. Best of luck with paying off your debt. You’ve got this! ๐Ÿ™‚
    Jen @ Frugal Millennial recently posted…How to Stop Fighting with Your Spouse About MoneyMy Profile

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