Several years ago, we came up with a new plan to pay off our debt. We’d been working hard to get rid of debt, but felt like we were always swimming upstream, and felt discouraged — “We’ll NEVER get there!” Tim has been our go-to guy for advice on budgeting, debt-reduction, etc., and he gave us some advice I’ll never forget. He told us to just take a look back and see how far we’d come over the course of a year, or 5, or 10. He encouraged us that if we were able to pay off any of it in that time, we were headed in the right direction. Celebrate that and keep going!
One day we were making a HUGE payment on a medical bill, and that discouragement started to creep in again. Our medical bills felt like they were going to do us in. In summer of 2018 I was looking for something on a hard drive and found a document titled “Shultz debt” from 2013. I opened it and couldn’t believe how far we had come towards debt-free living in that 5 years while paying for expensive medical bills.
Today, I want to encourage you to seek advice from Tim. Read his posts. Join his Facebook community (The Atypical Finance Community). And, read his new book. He has insights and encouragement that goes beyond your typical financial advisor. He’s smart, knows his stuff, but is also kind, compassionate, encouraging.