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theREALdusman

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  1. Hey everyone, Thought I'd post an update on what's been happening since my previous post. So a while back I made the decision that I was going to finish paying off all my debts by April next year, which will make me 100% debt free. I decided that I would take a full time job in order to accomplish this goal. I started the job in April & it took me about 6 months to finally get all my bills and stuff back to normal again, since I had been struggling with money before that due to personal circumstances I had been dealing with at the time. So as of now, I'm all caught up with my bills etc, and now the only debt I have left is my car loan which is just over $16,000 which I will be able to pay by April next year. By paying this off in April, I will be saving myself 20 months & I will be able to move back interstate by July...but in order for me to do this, I've had to cut back on alot of things in my life, & I've reached a point in this job I have that I no longer wish to work in anymore, I just want to get back to working for myself, which I was doing before, up until I started having personal situations happen...I mean, I only took this job so I could get my car back on the road & get my finances stable again. One part of me is telling me that I'm not happy where I am & that I need to get back to working for myself bcoz that's what really makes me happy, and another part of me is saying telling me to just stick it out a little longer with this job so I can be debt free by April because it's paying more right now that you're paying yourself, and if I quit this job now it will only prolong my goal of being debt free by April. I feel everyday now when I go to this job I feel depressed and not happy, & just feel my gut is trying to tell me that you'll find a way to pay back the remaining debt without this job if you really set your mind to it, and that im not giving myself enough credit, that this job is not the be all and end all. I just really want this last debt gone as quick as possible, but I'm wondering to myself is my depression & feeling of no happiness worth toughing it out for the next 7 months? I'm just kinda fearful of how I'm going to be feeling after April, when Im debt free, but be completely drained out by the end of it, & have absolutely no more energy after it all. I've been reading lots of different stories from people who have sacrificed alot in their pursuit to be debt free in a short amount of time and how worth it it will be at the end of it, having the burden of debt gone and being more stress free etc..., which is really the only motivator for me to keep this job until April, but on the other side I'm reading stories from people who say you don't have to give up everything in your life to be debt free. I guess its come down to two things for me: Option A: Tough it out a bit longer with the job until April & i'll fast track my debt free goal in 7 months, and then quit in April and go back to working for myself. Option B: Quit this job now that's making me unhappy & depressed, get back to working for myself as I was before...it'll take a little longer to be debt free....or maybe it wont, but i'll be happier again. Any council on this would be great, if anyone has had or is in a similar position. Thanks heaps everyone. :)
  2. I do admit ive been trying to keep my head down and get my life back on track...but yes i do feel its made me lose some of my spark so to speak. Ive been running on empty for so long and just trying to do watever i can to lift ny spirits. Ive actually decided that i want to start travelling after im debt free in April, so ive book an international cruise which I've never done, and that will be in Feb just before im debt free, but i need to hav it paid by Dec 1st, so ill be able to do that and still stay on track with ny debt free goal...im just trying to focus on the cruise to keep up my spirits. And also ive been planning trips after the cruise too, and slowly wanna get canera gear for my photography which i want to do alongside my travelling...🙃 butvyeh its tough
  3. Hey everyone, hope you're all doing well. Long story short... The last few years has been what I consider the worst times of my life. in September 2015 my partner of over 8 years decided to leave me for a guy who she ended up marrying a year later. It threw my whole world upside down, as all these dreams & goals that we had together (or thought we had made) just blew up in my face, & I was pretty much left to pick up the pieces of my now shattered life. I know this might sound childish, but I was so emotionally invested in this person for so long and now I found myself single again, & having to literally reset my life at 31. Looking back now at 35, I saw it as an opportunity to get to know me again & really think about what I really want in my life & how I want to live, but yeah t's been a very heart aching, painful, emotionally draining process for me...and I'm still in the process kind of, I'm in a much better place emotionally now. That being said, I decided that I wanted to be debt by April next year, so I've been working a full time warehouse job to help me achieve that which is keeping that goal on track. The reason I've been feeling depressed a lot lately is because im 35 years old, I've never travelled the world outside of Australia (which is where i'm from), I don't even have a passport. I'm pretty much putting everything I make to paying off my debts by April next year so I can be debt free. I've been trying to avoid social media, seeing everybody (including my ex), who seemingly be having a great time travelling all around the world, while I'm just trying to get myself out of debt & get my life back...I've made so many hard sacrifices in the last few years & sometimes feel like is it all been worth it? I'm really yearning to quit my job, pack my bags and start travelling the world. But at the same time, I have this other yearning to be in a position where I will be 100% debt free by April next year which will put me in a debt free lifestyle position, where I guess i'd be able to have more money for travelling and more freedom to do it. (I only have my car loan left to pay off.) And I also plan to moving interstate next year to Adelaide South Australia, which I really love too...the rent is much cheaper than Sydney (where I am now), it's more relaxing & I feel I can get ahead much faster there...and plus I really miss living there too, & given all that has happened in the last few years with my ex, my finances etc...all this happened in Sydney where I am now, so I feel I need to change states. So my current plan is to just stick it out with my job until April next, i'll be completely debt free by then, then I can resign from that job & leave for Adelaide around July, & start travelling after I leave my job in April. Right now I guess I'm feeling very anxious & impatient bcoz its been a long time to be at this point where I am so close to being debt free & moving away. And as bad as I want to travel right now, which I cud if i really want to, I keep having the same thought in my mind saying to me "Just stay the course, stay focused on being debt free in April. Travelling the world debt free will be much sweeter than travelling with debt." I know there's tonnes of debates out there about debt free travelling lifestyle vs travelling while in debt. For me personally, this is not just financial baggage im letting go of, its emotional baggage too from 2015. I really do love the idea of living a debt free lifestyle, no mortgage, no car payments etc...deep down i know my gut is telling me to keep my eyes on the main goal which is freedom of debt which will lead to lots of travel. And I don't want to be in a position where I have to work like a dog in some job to pay off the travel that I did a year ago. Since my car loan is the only debt I have left, by cutting back on nice things, clothes, travelling etc, until April next year, I'll have it all paid off 20 months earlier, which I guess would be 20 months gained for travelling the world debt free...and i'll also have the money I need to move back to Adelaide by July as well. In the meantime now, I've just been sticking to that plan, & actually planning my travelling, looking at prices etc ahead of time & just deciding where I would love to start my debt free travel lifestyle, which has been lifting my spirits. But yeah, I'm trying to stay focused on the main goal & not let myself feel depressed or tricked into travelling right now just because I'm seeing people on social media doing it. I guess it's only 6 months until I'm debt free, and what's a another 6 months to achieve a debt free life for travel? How many people out there could say that right? If anyone out there could shed some light on this that would be great. :-) I'm sorry for blabbering on... Love you guys!
  4. Hey everyone, hope you're all doing well. Long story short... The last few years has been what I consider the worst times of my life. in September 2015 my partner of over 8 years decided to leave me for a guy who she ended up marrying a year later. It threw my whole world upside down, as all these dreams & goals that we had together (or thought we had made) just blew up in my face, & I was pretty much left to pick up the pieces of my now shattered life. I know this might sound childish, but I was so emotionally invested in this person for so long and now I found myself single again, & having to literally reset my life at 31. Looking back now at 35, I saw it as an opportunity to get to know me again & really think about what I really want in my life & how I want to live, but yeah t's been a very heart aching, painful, emotionally draining process for me...and I'm still in the process kind of, I'm in a much better place emotionally now. That being said, I decided that I wanted to be debt by April next year, so I've been working a full time warehouse job to help me achieve that which is keeping that goal on track. The reason I've been feeling depressed a lot lately is because im 35 years old, I've never travelled the world outside of Australia (which is where i'm from), I don't even have a passport. I'm pretty much putting everything I make to paying off my debts by April next year so I can be debt free. I've been trying to avoid social media, seeing everybody (including my ex), who seemingly be having a great time travelling all around the world, while I'm just trying to get myself out of debt & get my life back...I've made so many hard sacrifices in the last few years & sometimes feel like is it all been worth it? I'm really yearning to quit my job, pack my bags and start travelling the world. But at the same time, I have this other yearning to be in a position where I will be 100% debt free by April next year which will put me in a debt free lifestyle position, where I guess i'd be able to have more money for travelling and more freedom to do it. (I only have my car loan left to pay off.) And I also plan to moving interstate next year to Adelaide South Australia, which I really love too...the rent is much cheaper than Sydney (where I am now), it's more relaxing & I feel I can get ahead much faster there...and plus I really miss living there too, & given all that has happened in the last few years with my ex, my finances etc...all this happened in Sydney where I am now, so I feel I need to change states. So my current plan is to just stick it out with my job until April next, i'll be completely debt free by then, then I can resign from that job & leave for Adelaide around July, & start travelling after I leave my job in April. Right now I guess I'm feeling very anxious & impatient bcoz its been a long time to be at this point where I am so close to being debt free & moving away. And as bad as I want to travel right now, which I cud if i really want to, I keep having the same thought in my mind saying to me "Just stay the course, stay focused on being debt free in April. Travelling the world debt free will be much sweeter than travelling with debt." I know there's tonnes of debates out there about debt free travelling lifestyle vs travelling while in debt. For me personally, this is not just financial baggage im letting go of, its emotional baggage too from 2015. I really do love the idea of living a debt free lifestyle, no mortgage, no car payments etc...deep down i know my gut is telling me to keep my eyes on the main goal which is freedom of debt which will lead to lots of travel. And I don't want to be in a position where I have to work like a dog in some job to pay off the travel that I did a year ago. Since my car loan is the only debt I have left, by cutting back on nice things, clothes, travelling etc, until April next year, I'll have it all paid off 20 months earlier, which I guess would be 20 months gained for travelling the world debt free...and i'll also have the money I need to move back to Adelaide by July as well. In the meantime now, I've just been sticking to that plan, & actually planning my travelling, looking at prices etc ahead of time & just deciding where I would love to start my debt free travel lifestyle, which has been lifting my spirits. But yeah, I'm trying to stay focused on the main goal & not let myself feel depressed or tricked into travelling right now just because I'm seeing people on social media doing it. I guess it's only 6 months until I'm debt free, and what's a another 6 months to achieve a debt free life for travel? How many people out there could say that right? If anyone out there could shed some light on this that would be great. :-) I'm sorry for blabbering on... Love you guys!
  5. When I started my policy with them I wasn't an uber driver at the time
  6. Hey guys, I just have a quick question about a situation I had with my car insurance provider... I'm an uber driver, and so I recently had to make a claim with them after my car was damaged and needed repairing . They told me they can cover the claim and have it repaired, however they also told me that they would have to cancel my polocy with them after they make the claim. I asked them why they have to cancel and they told me its because im am Uber driver. I was just wondering whether this sounds fishy or do they have grounds for cancelling my policy....i mean, what difference does it make whether im an uber driver or not? Would they still be cancelling my policy if I worked as an retail employee (or whatever), and had to make a claim? Do they have grounds to do this, or are they doing it out of spite because I had to make a claim with them ? What do you guys think about this? And what should i do? Thanks alot.
  7. Hey guys, I'd love to get some thoughts about mentors...I actually have mentors myself that have been helping me with my business, which you might be wondering why I wouldn't be talking to them about this. Although I go to my mentors for pretty much anything, especially when it comes to growing my business, since they too are in the same industry, and have been helping me grow as they have. The thing is that the past few months have been extremely hard for me, financially, mentally, spiritually and emotionally...and since i trust and follow my gut/intuition above anything or anyone else, I feel that there are just some things that I need to sort out by myself, and I know most people would say that you should talk to your mentor/peers/etc about it....but I just feel that there are some doors in life that you need to walk through alone, not all of them, just some of them...and that's where I am now. Now the issue that I'm having with my mentors is that I've mentioned to them that I'm always eager to get their council on a daily basis as I've always done and are still doing...but after I mentioned that I feel there are just some doors I need to walk through alone, in addition to their mentorship, which I feel is also vital to my personal growth as an individual, not just only a team player...they made me feel like I wasn't honoring the mentorship they were giving and I wasn't being serious about my business and my goals, and that somehow I was trying to find a shortcut to my success...which is complete and utter bulls#@t! This really ticks me off! (God forbid I should question my mentors.) Lately I feel like my mentors act more like managers instead of mentors these days, which wasn't the case a few years ago. The mentorship years ago was great, fun, exciting, educational etc...but now it seems all my mentors are turning more into corporate managers, where they recommend that I have a daily accountability with them, and everything I do and say should be reported to them so they can best tell me what I should do and act....to me, this feels more like micro-managing then mentoring. Years ago we counseled every week, but it wasn't every 2 seconds, and the methods for growing our business was fun, exciting and at times unpredictable which is what life is all about really. But now its like "this is how we're doing things now, and if you don't follow this exactly as it says on paper, you're not honoring the partnership and keeping the standards of the team, and you won't make it" which I feel is a load of crap. Because in my line of business, there is really no right or wrong way to grow it, and thousands of people have proven that. There a many many ways people have grown their business, but my mentorship team feels more like a corporate office environment, which is not why I got into it for. To tell you the truth, not every method of growing is set in stone. Every few years they try a new method which they feel is popular everywhere else, and so they incorporate those methods with us, which is fine, but to say that this is the ONLY way you can grow...sorry, I disagree. Just because one method is popular, doesn't mean it should be the ONLY way because it isn't...and they do this every few years. Yes, new ideas are great for growth which is fine...I just feel like they've gone from "Helping people succeed by empowering them and bringing out their best qualities" to "If you don't walk, talk and act like us, you won't succeed and you're not worth our time." The business is still and has always been fun and exciting for me and I love growing it...but as far as the mentorship part of it goes, I don't feel the same way as I once did years ago. I still love my mentors and still get their council everyday, I just feel like I've outgrown them on only a few things that I don't talk to them about that's all. And I know a mentee and mentor should be transparent with each other, but as I mentioned before, there are just SOME doors in life you need to walk through alone, which is also vital to your personal growth as an individual human being. And like I also said before, yes I have many mentors, but my number one mentor is my intuition and my gut. I dont know if this makes sense to anyone out there, and im sorry for the long message...but if anyone knows what im talking about, would be great to know about it. :-)
  8. Hi everyone, i just wanted to get some issues off my chest that are affecting me alot lately and maybe I could get some sort of council... So long story short... On September 4, 2015 my partner of 8 years told me she didn't love me anymore and left me and moved in with another guy a week later. I can't describe how destroyed I was since that day so I won't get into all that. So sure enough, rather than jump right into another relationship like most people would've done, I decided to take the other road by not doing that...let's face it, I was in so condition to do anything let alone see someone else, this woman was the only one for me, or so I thought anyway...so instead I decided to just be on my own and just pick up the pieces of my shattered heart and soul, which was not easy to do, but had to be done nonetheless. Today I'm in a much better place emotionally, though I am still recovering and trying to find myself again...to be honest, it feels like my heart has this permanent wound that will never fully heal, no matter how strong its gotten since then. So since that date until today, I've been focusing on just myself and what really makes me happy as an individual, which I see now as a blessing, as I seemed to have forgotten about myself while I was in my relationship; although it's great to focus on your partner and stuff, but I think you shouldn't lose your own individuality in the process since that is the real you. But anyway... So 2017 was a very hard time for me, but ever since my ex left me, I made a decision to always listen and trust my gut/intuition no matter what... I had a full time job in 2016 that I resigned from after a year since I wasn't happy with the way the company was running things. My gut was telling me I wasn't happy and I should resign now before things get worse, and so I did. And a few weeks after I resigned, the company fired everybody in the entire office, which was no real surprise to me, since I kinda saw it coming eventually and my gut was telling me as well. So my last day was October 5, 2017 and I've been an UBER driver since then until today...which my gut was also telling me that I should start doing before I left the company...perfect timing. Keep in mind there are other things apart from my job I was dealing with but I won't get into that... So now it's 2018, and I have plans to moving back interstate as I feel that where I'm living now has nothing for me anymore, and to be honest there's just been too much pain for me here and I just feel it's time go change cities and start fresh. The title of this post is " I have no direction in my life anymore" because right now I feel that the only thing I see is me leaving my current city as soon as possible, but as far as career and money I have no idea what i should be doing. Right now I've been feeling really depressed and deflated because I feel like a crab trapped in a bucket, and every time i feel myself getting closer to leaving, I get pulled right back in the bucket again, and it's really making me lose hope which I don't want to lose..I really need to get out of this city now, and I'm doing everything I can to put some money behind me to do that and get rid of my debts so I have no ties to this place when I leave. Lately I've been thinking a lot about just packing up my car with a tent and supplies and just driving cross country and not looking back and just seeing more of the world through travel...though I'm in the process of moving interstate, I have this gut feeling that what would make me truly happy is to just go on a long road adventure, with nothing holding me back like a house payment or rent...just me, my car, my tent, my cameras and the open road. I have all this time for myself that I never really had before, and given everything I've been going through physically, mentally and emotionally, I've become a more simpler person...I no longer feel the same desires for as many material things as I once did, though I still strive to have nice things in my life as we all should...I just have a feeling that my priority should be focused on experiencing life in a more hands on way through travelling, and not living in a rat race for some stupid house that's become a prison, to which i'm working 80 hours a week for. And since I don't really know what I love to do and what makes me happy yet, my gut is telling me that I need to do this in order to find that out. I'm not sure if I can get some council on this, but I just feel like I need to get out now and just tie up all my loose ends and pack up and leave right now and just get on the road. Would love to know anyone's thoughts on this... Thank you for reading, whoever may be reading this. :-)
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