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How do you keep motivation?

June 22nd, 2009 at 12:58 pm

I find it so tough to stay motivated & I need it. Feels like everything is hitting us at once and we are worse off than we were 6 months ago.

We had to replace the HVAC system in the rental, we are replacing the plumbing next month, and due to a bad storm last week... discovered we need new windows because they were leaking (cheap builder grade windows that are 12 years old).

We contacted our window contractor we used with the other house... energy efficient lifetime warranty windows. To do the entire house... $27K because some of the windows are custom. After doing numerous hours of research we decided we wanted a good product for life vs another cheap product we'd need to replace in a few years.

We're going to do this in phases, so we replaced the ones that NEEDED to be replaced. So that was $9K

I didn't feel great about having to put all of this on a credit card, but this stuff is for the house & to protect it. How do we NOT do it?

So we feel like we're doing the right thing but we're still dismayed. We want to have financial freedom and we can't do that if we have credit card debt.

But now we know in a few years, we'll need to fork over the rest of the money for the second phase of the windows, likely need to replace the doors in this house cause they are rusting.

DH's car is starting to fail. Talked about buying a new one but I told him I never want to have a car payment again. With our credit card debt he knew he didn't have room to argue with me. This is just the way things have to be.

So how do you keep motivation? Right now I just need to know there is a way. I feel like once I see a light at the end of the tunnel, something else happens or something else needs to be done. Windows, doors, car repairs. I know we were over-leveraged to begin with, but we're just trying to correct it on our own.

Bright side - DH is up for a promotion to Chief. If he gets that its an extra $300/mo or so. My company is doing better and reinstating their $1200/yr allowance for office expenses. We found new tenants so we will only have a 2 week vacancy in the rental.

What we want to save for is the 2nd phase of the windows, new doors, and other home repairs that will need to be made. Eventually DH's car will need to be replaced but I'd like to hope that will be when my car is paid off and we can pay for a newer car in full.

But here is where we currently stand:

HELOC $24K
DH's Card (Will be $27K by the end of all these repairs)
The van $30K
Student Loans $38K

So that's what we have to work with... $119K in debt that is not related to primary mortgages.

2 Responses to “How do you keep motivation?”

  1. WealthyMe Says:
    1245677232

    Call me crazy, I was in a similar situation, always something, after a series of serious adversities that came to me within two weeks. I stopped. I just stopped.

    I am still dealing with those adversities, but I stopped trying so hard. The harder I tried to fix everything, the more trouble I found on my way.

    I decided to try something radically different, I am into visualization now, you know ohmmm... I can tell you that while I am still dealing with the aftermath of many of those situations, the chain of adversities stopped and I am a much happier person.

    I am allowing for good things to come to me.

    Watch out your own words ..." I feel like once I see a light at the end of the tunnel, something else happens or something else needs to be done. Windows, doors, car repairs. I know we were over-leveraged to begin with, but we're just trying to correct it on our own."...

    and

    ..."I just need to know there is a way"...

    If you are curious, the book I use is Creative visualization by Shakti Gawain. it wouldn't hurt to try.

    All the best!

  2. ambitioussaver Says:
    1245678742

    Thank you so much for posting this. Your words are truly inspirational. Definitely going to be checking out that book. Again, thank you! Smile

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