{"id":19319,"date":"2017-08-08T05:15:23","date_gmt":"2017-08-08T12:15:23","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=19319"},"modified":"2020-11-21T16:05:16","modified_gmt":"2020-11-22T00:05:16","slug":"four-basic-habits-that-will-keep-you-mired-in-debt","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html","title":{"rendered":"4 Basic Habits That Keep Most People Mired in Debt"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2013\/05\/debt.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-19323\" title=\"debt\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2013\/05\/debt.jpg\" alt=\"\" width=\"375\" height=\"249\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2013\/05\/debt.jpg 500w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2013\/05\/debt-300x199.jpg 300w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/a>Being in debt is largely a matter of second grade arithmetic &#8212; if we spend more than we earn then we&#8217;ll get in debt; if we continue spending more than we earn then we&#8217;re likely to stay in debt.<\/p>\n<p>The solution is to reverse the equation: Instead of spending more than you earn, start earning more than you spend. Put the difference against your debt regularly and soon it will be gone; continue stashing away the difference and soon you&#8217;ll have considerable savings on which <a href=\"http:\/\/www.themoneyprinciple.co.uk\/2012\/how-much-do-you-need-a-retirement-calculator\/\">you could retire<\/a> and live happily ever after.<\/p>\n<p>Who said there is no direct link between maths and happiness!<\/p>\n<p>Here is my problem: Arithmetic, just like any description, is very useful in telling us about the &#8220;what.&#8221; What is the current state? What is to be done?<\/p>\n<p>However, most action, and change, also needs the &#8220;how.&#8221; In this case, how do we stop spending more than we earn? My answer to this is: By changing the habits that shape the way in which we manage our money.<\/p>\n<p>Most aspects of our lives, including our finances, are habitual. Habits are what makes our lives possible; sometimes, however, these can become obsolete and hinder our existence rather than enhance our lives.<\/p>\n<p>Being in <a href=\"https:\/\/lenpenzo.com\/blog\/id591-top-10-signs-you-could-be-headed-for-debtors-prison-2.html\" target=\"_blank\" rel=\"noopener noreferrer\">debt is usually a signal<\/a> that our money habits have become obsolete. Here are the four basic habits that keep us in debt:<\/p>\n<p><strong>Ignorance<\/strong><\/p>\n<p>Ignorance, in any area of life, is an affliction that needs to be remedied as speedily and efficiently as possible. Ignorance keeps us in debt in four different ways:<\/p>\n<ul>\n<li>Ignorance about our personal financial situation prevents us from acting<\/li>\n<li>Ignorance about money and money management deprives us of choice<\/li>\n<li>Ignorance of broader economic developments makes it impossible to place our personal financial situation in context, or understand and change it<\/li>\n<li>Ignorance limits our earning capacity<\/li>\n<\/ul>\n<p>Who says that ignorance is bliss?<\/p>\n<p>Albert Einstein once said the only thing that interfered with his learning was his education. I agree. So, to deal with the habit of ignorance start learning.<\/p>\n<p>Remember &#8212; learning is not a one off act; it happens in all kinds of settings. Get educated:<\/p>\n<ul>\n<li>Check these financial statements, use technology to link and manage your personal bank accounts<\/li>\n<li>Educate yourself about the fundamentals of money management<\/li>\n<li>Develop the personal habits that underpin responsible financial behavior<\/li>\n<li>Follow what is happening with the economy; remember that the economy is very sensitive to politics<\/li>\n<li>Develop competencies and skills that will help you get a higher paid job<\/li>\n<\/ul>\n<p>Change this habit of ignorance and start now &#8212; but remember:<\/p>\n<ul>\n<li>Education is about what you know and can do; <a href=\"https:\/\/lenpenzo.com\/blog\/id1255-22-signs-your-college-degree-might-not-be-worth-the-money.html\" target=\"_blank\" rel=\"noopener noreferrer\">a degree is about certification<\/a>. Go for education!<\/li>\n<li>Don&#8217;t assume education in a particular subject will bring the highest financial returns. For example, top accounting firms rarely recruit people with degrees in accounting; many recruits have degrees in classics, history and philosophy.<\/li>\n<\/ul>\n<p><strong>Lack of balance<\/strong><\/p>\n<p>Socrates said that the way to happiness is to observe moderation in all things.Just like in life, financial moderation provides an anchor for balancing our decisions and actions.<\/p>\n<p>Losing our balance with money can easily send us into, and keep us in, debt.<\/p>\n<p>The remedy? Understand the kind of life you want and what do you want in your life. Remember that:<\/p>\n<ul>\n<li>Money doesn&#8217;t make much sense <a href=\"https:\/\/lenpenzo.com\/blog\/id2969-how-to-splurge-without-breaking-the-bank-2.html\">if it doesn&#8217;t nourish your life<\/a>; and<\/li>\n<li>For a different future you should plan from where you want to be, not from where you are now<\/li>\n<\/ul>\n<p><strong>Bad judgement<\/strong><\/p>\n<p>Most people make decisions based on emotional judgment, rather than facts. Humans have almost unlimited capacity for self-delusion; which means many of our judgements are really bad. Regarding debt this can be: &#8216;I&#8217;m in debt but I can pay it off at any time.&#8217;<\/p>\n<p>One of my all time favorites is: &#8216;I&#8217;ll deal with my debt when I get a raise.&#8217;<\/p>\n<p>It doesn&#8217;t work like that. People pay their debts off when they decide that they&#8217;ve had enough. After that, even the smallest payments help: <a href=\"http:\/\/www.themoneyprinciple.co.uk\/2013\/100k-157k-to-zero-in-three-years-flat-we-are-debt-free\/\">We had $160,000 worth of debt<\/a> and, after paying it all off, I noticed our smallest payment was $6.<\/p>\n<p>So become mindful of your assumptions and change them when and if necessary. Experiment rather than assume.<\/p>\n<p><strong>Inaction<\/strong><\/p>\n<p>Most people&#8217;s lives consist of selected intentions. I know because I was there! And things started changing only after I started acting.<\/p>\n<p><strong>The bottom line<\/strong><\/p>\n<p>Ignorance, lack of balance, bad judgement and inaction are habits that impair our financial health and keep us in debt. Changing these habits is hard &#8212; but it&#8217;s so worth it. In all senses of the word!<\/p>\n<p>***<\/p>\n<p><em>About the Author: Maria is the blogger behind <a href=\"http:\/\/www.themoneyprinciple.co.uk\/\">The Money Principle<\/a>: a personal finance blog that will make your head hurt and your wallet sing.<\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: Stock Monkeys <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being in debt is largely a matter of second grade arithmetic &#8212; if we spend more than we earn then we&#8217;ll get in debt; if we continue spending more than we earn then we&#8217;re likely to stay in debt. The solution is to reverse the equation: Instead of spending more than you earn, start earning [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":43264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-19319","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>4 Basic Habits That Keep Most People Mired in Debt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Basic Habits That Keep Most People Mired in Debt\" \/>\n<meta property=\"og:description\" content=\"Being in debt is largely a matter of second grade arithmetic &#8212; if we spend more than we earn then we&#8217;ll get in debt; if we continue spending more than we earn then we&#8217;re likely to stay in debt. The solution is to reverse the equation: Instead of spending more than you earn, start earning [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-08T12:15:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-22T00:05:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2013\/05\/debt-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maria Nedeva\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maria Nedeva\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html\"},\"author\":{\"name\":\"Maria Nedeva\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/575fdd8a32ad96a551229e94b0f17eec\"},\"headline\":\"4 Basic Habits That Keep Most People Mired in Debt\",\"datePublished\":\"2017-08-08T12:15:23+00:00\",\"dateModified\":\"2020-11-22T00:05:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html\"},\"wordCount\":799,\"commentCount\":26,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id19319-four-basic-habits-that-will-keep-you-mired-in-debt.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2013\\\/05\\\/debt-1.jpg\",\"articleSection\":[\"Credit &amp; 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