How do we know in life that we must make a change if we are not feeling bad?

Question

I used to be a great money manager but due to an overwhelming amount of hospital bills I went into an extreme amount of debt. I have managed to live a good life for 8 years but have continued to borrow to pay my bills. I know I need to focus more on making money but I am living well. I have no sense of fear about this. I do feel like I should be afraid so I will be motivated but I am so happy just doing what I want. What am I missing here?

Answer 1

As long as your feeling good with what you are doing then there is no reason to change, yes you do have a lot of debt but if your getting by life fine then there is no reason to change.

Answer 2

By forgetting there is always tomorrow, and there is also retirement. And that the money you are living on borrowed money and one day somebody will demand it in full. You don't have to be afraid in order to be motivated, you only have to look at the bigger picture. When do you wanna retire? What sort of life do you wanna live? Paycheck by pay check? That borrowed money wont always be available, especially if your debt keeps growing and you are not paying any of it back. Think of your family, those people who might one day have to take over your debt or support you should you ever be sick again and find yourself in dire need of money.

You cant continue to borrow money without a plan to pay it all back. One day ceaser will come aknocking.....what will you do then? You've got the right attitude in not being afraid of the debt since that is what makes a lot of people depressed. Figure out though how you can build an emergency fund, pay off your current debt and live within your means. We are always accountable for our actions...and they always catch up with us, if not today then tomorrow, and most often than not when we least expect it.

Answer 3

Lynne,, Your health issue placed you in debt.. Although you live well now,, if you must continue to borrow to pay your bills,,you are not succeeding.. You are fooling yourself..Your choices are not hard to make though..Either you concentrate on making more money or you curtail some of your good living to let you pay more against your debt.. If you keep borrowing just to keep the life style,and pay bills,,one day,,something will happen again in your life which may make it impossible to even keep your head above your debt.. Planning on your part now,,can allow you to gradually work off your debt,,by additional monies,,or like I said,,cut back on non essentials ..Its really not hard if you really WANT to make it happen.. Good Luck !!  SOLOMON

Answer 4

In my opinion, you are missing nothing!

Although, I dont believe that fear has to be our only motivator.

If, you are receiving a gentle nudge to change something...then at least consider it.

A "rainy" day may be up ahead, and Spirit, is trying to tell you about it, while your Peace level is in a good place...while your able to pick and choose your ways of making money.

Just another way to look at it.

Much Love,

Peace!

Answer 5

You won't always be able to make money.  By the time you are afraid it may be too late.

Answer 6

life isn't perfect. we all r going to live life to best of our ability. And unless u're rich, debt will most likely be a problem to some extent. All u can do is stay focused and do what's needed to live a well life. If u are worried about ur financial situation then make changes gradually. get rid of some expenses that u really don't need. Make it a habit to only buy what u need to survive on a daily basis. "Life is what u make it, so make the best out of it!"

Answer 7

You need to examine whether you can manage your finances currently and if so enjoy life. If not then find some satisfying employment, and cut down on your expenses but continue to enjoy life, albeit with certain limitations until your situation normalizes once again. Good Luck