In debt? Do this exercise now -

As promised, this week we are going to be doing a little mini-course on debt that will go out to all our awesome email subscribers!  Of which you are one! Seriously, thank you for being such a great supporter! But as always, we have an unsubscribe link at the bottom of all our emails if you ever need it! Your 1st lesson: Do you remember life before debt? Like maybe when you were in high school and you had a part-time job and spent every dime you made on clothes, your car, or weekend entertainment? But even with all that spending, it still felt okay, because you didn't OWE anyone. You were living within your means. For me, that meant spending it all on music equipment so I could passionately sing some masterpiece I wrote to about 15 people in my friends basement. And don't even ask why we were wearing matching polyester shirts - only the Lord knows why high-schoolers do what they do! But I digress. Looking back, I made terrible buying decisions in this phase of my life. I would make it and then immediately spend it - and almost always on stupid stuff! BUT, for as foolish as I was with my spending, at least I wasn't in the negative.  At least for a little while anyway. On to adulthood Then a few years down the road, as I became so much "wiser", I decide to do what all the "wise" adults do and start "building credit" with a credit card. After all, it is what all the financial companies' propaganda tells us the wise thing to do is! And before long I find myself feeling like that slave that the Bible talks about: "...the borrower is slave to the lender" Pro 22:7 As payday came around each week, I found myself getting more and more discouraged because no longer could I buy the music gear I need for my band to become the next U2, but I had to give every dime I had over to companies that I owed.  And I knew what they were going to do to me if I hold up my end of the deal. My breaking point This continued to get worse for me for the next few years until my breaking point in 2001: I was living in a city where I didn't know anyone. I had 0 in my checking account. My credit card was just about maxed out. I was heading to the bank to deposit my very small paycheck – just enough to pay my rent that was due that day. And then my car broke down. As it slowed to a halt, I found myself right in front of a minor league ballpark about an hour before game time. I assumed this would be a good thing, thinking that since so many people saw me that someone would help. But no one did. What was worse was that it seemed like they were all gawking as they drove by. I felt all alone and helpless. I had no control and this was just the icing on a bad-day cake. As I was pushing my car to the side of the road, I realized that I had no idea what I was going to do. Sitting in my broken down car, as hundreds of gawkers stared at me and my misfortune, I finally realized that I needed help. I was living a life of chaos and it all stemmed from my lack of financial understanding and ultimately my debt. I thought I knew how to manage it. I thought I could keep it under control. I thought I could do it on my own.  But the truth was that I needed help. I hope your financial life has been nothing but sunshine and roses, but I have a hunch that you might relate with a little of my story. And I know life like this is an everyday occurrence for some people. But what I realized is that it doesn't have to be. We are not doomed to how we are currently living – we can change! The exercise! Anyway, this was quite a long intro to the reason for this email? But the thing I want you to do is figure out WHY you HAVE to get out of debt. Maybe it is because you see yourself heading in a bad direction and you know you have to turn the ship before things get any worse. Maybe you want to live a good example for your children. Maybe you just want the peace that comes with being indebted to NO one.  Maybe you dream of being able to quit saying "I can't afford it" to all the charities you want to support. Regardless of what it is for you, hit reply and let me know your big WHY. On Wednesday we will take the next step together. I look forward to hearing from you, Bob

Rendren LLC aka SeedTime, 625 Bakers Bridge Ave. Suite 105, Box 134, Franklin, TN 37067, United States You may unsubscribe or change your contact details at any time.