I’m tired of paying today for what I bought yesterday.  What am I talking about?  Well in a word, debt.  When I make monthly payments on my credit card, both cars, and mortgage, I am essentially paying for things I bought yesterday, last month, last year.  Instead of saving what I make today, I am busy spending it on what I already purchased.  This gets tiring after awhile… working so hard and having little savings to show for it.

Breaking this cycle

I can already tell that it will be exceedingly difficult to break this cycle.  All the while I’m paying off these debts from yesterday, I’m not saving for tomorrow.  Once I get to the point of paying off at least the credit cards and cars, likely it will be time to buy again.  But since I have been busy paying for my last purchases, I haven’t yet had a chance to save for the replacements.  In other words, I’ll be back in the same place that I am today.  That’s a place I don’t want to be.

Patience is not an easy thing

The only real solution to this cycle is patience.  Once my debts finally get paid off, wait.  Don’t make any large purchases for awhile, so I give myself time to save.  Only with patience can I stop paying for yesterday’s purchases.  That means keeping my cars longer than I ever have before.  It means holding off on new furniture purchases.  It means not buying a pool.  It will be hard, and at times very frustrating.  But it’s the only way to move forward, where saving is the choice instead of paying off debt.