Banker Getting Out of Debt

When I opened my eyes this morning, all of my reality came rushing back to me. I have 2 days to find a part time weekend job. Yes, I have a full time job, as a banker, but I’ve booked only one deal this year. I’m worried about losing my job and my base salary doesn’t cover my monthly obligations. Trouble is on the horizon: My car payment is 65 days behind and I’ve worked out an agreement with HSBC, the lender, to accept $400 today, and then they’ll give me a “hardship” extension. My paycheck takehome is $2000 every 2 weeks. My rent is $1650 and is due on Tuesday. That’s the math. I don’t have money for food, gas, hairspary. I need to find a part time job immediately, because in less than 30 days, I’m going to be homeless with my 2 kids if I don’t figure this out.

I have a couple of things going for me. 1) My sense of Humor–although, you can’t see it right now. 2) I’ve admitted I have a problem–which has taken me several years to get to, so I guess that means I’m a slow learner as well. And 3) My children are healthy and wonderful. Sidebar: My health? A little weak with heart palpitations that seem to be stress related. I’ve packed on the pounds the last couple of years too so I’m not exactly feeling sexy–although, George Clooney? Any time baby. Right now.

So, I got out of bed today and searched the web for an additional source of income. I was going to apply for a weekend job at Trader Joe’s down the street, but I just realized that I declined the manager’s home loan application a couple of years ago and I don’t think he’ll hire me. Or, if he does, he’ll make me clean the toilets. Declining loans suck. I hate making people feel that way. I’m sorry for all of you whose loans I’ve had to decline. I’ll try not to decline your loans any more.

Your first task today is to do what I’m doing, because I am getting out of debt and moving into prosperity. I don’t know exactly how this is going to happen, but I do know that I’m going to make it happen. I’m sick of living paycheck to paycheck and sleeping poorly and being stressed out and scraping by. I’ve been doing something wrong, but now I’m going to do something right. And you’re coming with me.

Today, GET OUT OF BED. That’s it. Just get out of bed and admit to yourself that you got yourself into this and you’re going to get yourself out. Nope! I’m not going to listen to who else got you into this. I’m really not! It doesn’t matter who else was with you on this path. You are leaving them behind and moving onto a new path. The path of prosperity. It’s not personal, it’s just survival. Your first step today is to admit to yourself that you created your current situation. When you can admit that you created your current situation (okay, maybe it wasn’t 100% all you, but it was at the least 1% of you) so there, YOU helped create your situation. That’s where you’re going to start. Got it? You only have the power to change the things that you acknowledge you have power to change. If you say something “wasn’t my fault” then you can’t change it. My mamma always told me that it takes two to tango. So, if you picked a bum spouse who got you into this mess–hey! You picked the bum spouse! You did! So stop blaming others and accept responsibility for the choices you made to get you into this situation. Don’t point fingers, because when you point one finger at someone else, your other 3 fingers are pointing right back at you. Try it.

Don’t log in tomorrow until you have taken responsibility for your part in this. Otherwise, I can’t help you.
Take a breath. Admit you created your current situation and decide to create something different. I’ll show you the way.

See you tomorrow!

Love, Your New Banker