Debt freedom is a lot of work

A while ago, I posted that I finally saw, for the first time in 5 years, $0 owing on both my credit card and my line of credit. The battle is never over, however. Unless I want to completely free myself of the luxury of a credit card and line of credit, there will always be the slow creep of regular payments, and short-term borrowing ($100 here, $200 there), which in my situation are unavoidable occurrences.

So, I will always have to pay down between $200 and $300 on any given 2-week period to maintain the zero balance. This is in stark contrast to the prospect of running up all of my credit in all of my cards (credit, store cards, etc), where I know I could be easily $25000 in debt in a week, should I be silly enough to do such a thing.

But there are other issues with money. In my opinion, credit is too damn easy to get. I really shouldn’t have access to $25000, because I know that paying back would be nearly hopeless. I would have to work past my retirement to do that.

In addition, we have grown too accustomed to people pushing product in our face. I have been working for weeks trying to cancel my cell phone contract. I have lost count of the number of times I have had to shake a salesperson off my leg from Bell, trying to push cell phones on us, both on the phone and in person. I have been alive for 45 years without the need of the ball-and-chain of a cell phone, I will live another 45 damn years without it. It is cheaper to use a pay phone. Way cheaper. Even at 50 cents a call.

The pushing of product in the form of a pressure sales job is a rising trend that I find alarming. I think we are at a point where we are buying so much stuff that we can’t pay for, that I find it hard to believe that it will be easy to come out of the recession. Pressure sales, to me, applies to any attempt to sell to you anything you were not considering buying before the sales pitch.

We all like to prioritize our spending to suit our purposes. Pressure sales is a disruption to that purpose. It throws you off-focus. The only possible answer must be “no” to these people. You have to have a steely resolve that they are wasting their time and effort on you. And so what if they think you are a jerk? To them, the only people who are not jerks are people who buy their stuff, so who needs the high regard of people with such shallow values? On the other hand, if your purchasing decisions are deliberate, then you can walk into the store, and give the salesperson the easiest payday they ever had. You get exactly what you want, and the salesman still makes money.

We live in a society utterly awash in the sales pitch, so it is easy to miss the fact that you are not anything but a wise spender if you just say “no”. Make every purchase decision a planned, deliberate one. It takes a great deal of mental discipline to do this. You need to separate yourself from the competitiveness and the materialism of society to be such a person.

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