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I have been thinking a lot lately about where we all are in life at the moment, I have read some great blogs from young bloggers and I think ‘Wow’, they know so much more about ‘intentional living’ than I did at their age, in fact, I had never even heard of ‘intentional living’, they are so lucky.  At 50, I am only starting to ‘wake up’ and rather than think ‘fate’ will foretell my journey, I am realising that I am the author of my life.

Why has it took me so long to come to this realisation?  Apart from being a bit slow, I am not sure, except that I have been caught up in the strains and stresses of working, living and everything else that came my way.  Anyway, I am here now and intend to make the rest of my life better, cleaner, and more purposeful.

In fact, I have reached the point where I resent the fact that I have to go to work just to try keep up with my mortgage, bills and £18,000 personal debts, mainly on credit cards.  I am currently on a DMP (Debt Management Plan) with Step Change because after living on my credit cards (due to overspending), I got to the stage where I simply ran out of credit and could no longer make the minimum payments.  These debts have caused me a huge amount of stress and worry.  I have also realised my spending is related to my mental health, whenever I have felt low, I have gone on a little spending spree, at one stage there was barely a day I didn’t buy something.

The realisation that my spending habits relate to how I feel at any given time, has made me realise, there are other (cheaper) ways  to feel good.  Realising that link between my mental health and over spending, the consumer trap I have fallen in to, buying in to consumerism and ‘keeping up with the Jones’ is enough to make me change my ways.

I no longer browse online when I am bored, I carefully consider if I really want / need an item before purchasing, I also put in my planner on pay-day 1 or 2 things I ‘plan’ to buy, things I have given careful consideration to purchasing, sometimes by the time pay day comes along I have changed my mind.

I have not worked out exactly how old I will be by the time my debts are paid off, but at the rate I am paying them off now, I will be over 100 years old taking the interest into account. This is not how I want to spend my retirement years, this is not what I have worked so hard for all my life.  I came to the conclusion that the only other option is to increase my income and eventually (hopefully within 3-5 years) hand my notice in to a job I have not an ounce of interest in anymore, this lack of interest is down to my own self-realisation in what I can and want to achieve; help people in some way, no matter how small to improve their own lives, if we all share what we know, we will gain many lifetimes of knowledge, how wonderful is that!.

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Posted by:Jane