There is a future place for you where you will have no debt. Think about this for a minute. There is a place where you will have no debt.
In that place you will be so proud of yourself for what you have accomplished and for the journey you have made to reach the place of being debt free. You will recognise it when you arrive like a harbour after a long sea voyage and it is just what you expect it to be, a safe place.
This is a place where - before you open them - you know already the content of the letters from your energy suppliers, from your house lender, from your car dealer, from your insurance company. These letters are simply telling you that your account is settled, that your balance is just what you expect to be. Such letters are simply confirming what you know - that you have no unwanted debt.
This does not mean you will be without loans at all or that you owe nothing to anyone. It means that there are no more surprises in the form of uncalculated interest. No late fees or the shock of finance charges. You will know what is owed and that you are in control of your money.
What will 'sorted' feel like?
Being debt free is a good place to be. It is the place to aim for and to set as your personal target destination. Knowing that there are no financial surprises you cannot cope with will give you peace of mind.
There will always be an unexpected car bill, or some household maintenance that comes with a change in seasons. There will sometimes be accidental damage. However, knowing that you have money available for such things means that they do not shock you and they absolutely cannot hurt you.
Take a moment to reflect on how you felt when you were not struggling with debt and the thoughts you had then. Can you recall situations where you coped well with your finances and the management of your money? Consider what these situations were like and the feeling you had of being in control, of having your finances in order. Any time you feel panic or worry about your financial circumstances, try to recall the times when all was ok and to know that you can get yourself back to that place. If you are prepared to work, to accept this will take time and to begin acquiring new habits around money, then you can get to the place called ‘Debt Free’.