Don’t Wait For The Perfect Situation To Pay Down Your Debt

The number one reason people don’t get out of debt is they

don’t try. This may apply to you. You want to, but never

seem to do it. You put it off for in any case reason.

You want to wait for your life to be just right before you

make the attempt. You tell yourself, when I get the new

job, when I receive the next promotion, or when I get my

next raise, I’ll go to work on my debt.

Perhaps you are waiting for some artificially set date. You

tell yourself the first of the year will be a good time to start

or when you get back from vacation. Whenever it is, it is

always in the future.

I call this “perfect situation procrastinating.”. This allows

you to put off any action, while you wait for your situation

to be perfect. It reminds me of a story I read the other day

about a mother registering her daughter for kindergarten.

The mother, a school teacher, took her daughter to register

for kindergarten. They were greeted by the kindergarten

teacher near a table outside the room. On the table she had

some paper and crayons. The mother stood back while the

teacher did, what the mother recognized as, a simple

screening of her daughter’s abilities.

The teacher asked the child to choose her favorite color

crayon and write her name on one of the pieces of paper.

The mother hovering in the background, knew her daughter

could not only spell her name, but the names of all her

family members. She was pleased her daughter would do so


However the child just stood and stared at the crayons. The

teacher again asked her to choose her favorite color and

write her name. The child remained nevertheless. Her mother knew

she could do this but stayed back to allow the teacher to

manager it. The teacher then put her arm around the girl and

told her it was all right, she would learn to write her name

during the school year.

As the little girl and mother rode home the mother asked

her why she didn’t write her name. Her daughter

responded, “She asked me to write my name with my

favorite color and there was no pink crayon.”

The little girl, very capable of doing what was asked of her,

didn’t do it because the situation was not perfect.

Many times we are the same way. As you get ready to tackle your debt, do that of which you are capable, not waiting for the perfect situation. While it is important to have a plan, it is more important to just begin. A plan may be modificated as you go, but if you continually adjust your start date, you will never put your plan into action. So, start now, don’t wait for your pink crayon.

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