If You Can Give Birth, You Can Totally Pay Off Debt

Are you needing a little debt payoff motivation? Well, I believe if you can manage to give birth to a human being, you can most definitely pay off your debt! Here’s how I believe these two really amazing, transformative processes are similar!

You know that moment when you think “it” – whatever it might be – is just TOO HARD? I’ve had that moment so many times in my life. I’m actually living through one of them right now.

I also remember that “it” moment VIVIDLY from my children’s birth stories. There came a time in each of their births where I remember thinking, “I’m going to die. For real. This baby is going to kill me.”

I was scared. Scratch that. I was terrified.

My sister in law was my midwife for all four of our kids. In my panic stricken moment of fear she would look me in the eye and say in her sweet, calm voice, “You’re doing SO good. You’re doing perfectly and you’re almost there.”

As you might have guessed, I never died. I persevered and moved through the transition part of labor into the productive pushing phase, and, after some focused work, I had a miraculous, sweet baby in my arms.

This work we’re doing together – transforming your relationship with money, making personal finance beautiful – is similar.

Stick with me here, now. I don’t want this to become hyperbole or exaggeration. Here’s some debt payoff motivation for you! I really do believe this work is similar to the hard, life-changing process of giving birth. Here’s how:

EARLY LABOR

This is the time when your desire to get the baby out totally overrides any thought about the pain of giving birth. I remember it clearly – swollen, exhausted, riddled with heart burn, my liver and lungs bruised from months of roundhouse kicks – it was time.

In your financial life, this is the moment when you say yes to paying off debt, or to completing a no-spend challenge, or to calculating your Net Worth to really find out the truth of your financial life. It’s the moment when you say ENOUGH, THIS CHANGES NOW. You’re not thinking about the sacrifices you’ll have to make to pay off that debt, but more about the fact that you want to be on the other side.

There’s a thing stirring inside you that you can’t resist any longer.  It can be easy to ignore your pain and overwhelm and just try to continue on with your regular life. After all, everything around you, the stories you’re told and the stories you hold are strong, compelling and pervasive.

BUT, THE TRUTH IS, YOU’RE NOT HAPPY OR SATISFIED WITH YOUR CURRENT STATUS. LIKE EARLY LABOR, THE STIRRINGS YOU FEEL ARE THERE FOR A REASON – THEY’RE CALLING YOU TO THE WORK AHEAD AND THE TRANSFORMATION IT BRINGS.

Don’t ignore the early labor phase. It’s an important, introspective part of your journey.

ACTIVE LABOR

Your journey is starting to get exciting. You’re seeing progress towards your goal, whether that goal is having a baby or paying off your debt. You’ve been checked and you’re dilated, it hurts, but not too bad yet. You can still laugh without getting bogged down in the pain of contractions. With finances, you’ve created a budget, you’re living on less, you’ve sacrificed your spring break vacation and put all of that money towards paying off your debt.

It’s happening and you can feel it.

This is a great time to journal and write down how you might be feeling. This is usually a really “up” time. It’s a time when you feel great about what you’re doing and your progress. With labor, my unknowing self said “this isn’t so bad. I’ve totally got this!”

Put down how great you’re feeling into writing. That way, when you get to the transition phase of feeling like you’re going to die (you’re not, BTW) you can access that “up” time and be encouraged.

TRANSITION

You’re going to die. (Again, no you’re not).  But, it feels that way.

Oh goodness, I cried SO much during this time in our debt-payoff journey. And, it lasted for months, and months. And months. I was tired of the work it took to be so diligent with my money. I was tired of having to sacrifice SO many fun times for that long-term goal. It just f’ing hurt at this point. Just like labor.

The only thing that kept me pushing through was that we had our Values and Dreams defined.

I’D GO BACK TO THOSE DREAMS AND SAY “YES” TO THEM OVER AND OVER, SO THAT THE “NOS” I WAS HAVING TO SAY DAILY DIDN’T FEEL SO PAINFUL.

Don’t underestimate the change you’re undergoing during this time. If you choose to persevere you will come out transformed.

AS DOLLY PARTON SAYS, “STORMS MAKE TREES TAKE DEEPER ROOTS.” YOUR ROOTS WILL BE DEEPER AND STRONGER, TOO.

Just hold on a bit longer. “You’re doing SO good. You’re doing perfectly and you’re almost there.”

PUSHING

It is SO hard and hurts so good.

During all 4 of my natural births, pushing was, in a strange sense, a relief. There was so much pressure that had mounted the only way to get relief was to push! At this point in your financial journey, you’re all in. You’re so close to reaching your goal and you just need to give it a couple final, all-out pushes to make it to your goal. This would be a great time to go all-in on a no-spend monthand use all of your excess for your debt that month. You’re so close friend. Here’s where you give it your all, even though you’re dehydrated and exhausted. You’re so. Stinkin’. Close!

BIRTH

Dang. You f’ing did it! You birthed a human being.

AND you paid off all of your debt!

Two miraculous, magical and nearly impossible tasks – you did them! It’s time to bask in the snuggly glory of your newfound debt freedom. And yes, it’s so very snuggly.

Also, do you see the slight smirk and swagger in that woman’s face up there? That’s for real. She knows that she can do absolutely anything she sets her mind to. And, you know what? She’s totally right. If you can give birth, I promise you can pay off debt!

It’s funny how the actual day we paid off our last debt is super fuzzy (just like birth, that’s why we ladies do it more than once), but I do remember this day. The day we did our debt-free scream on the Dave Ramsey Show. 

I also remember our first debt-free, budgeted vacation. The feeling of coming home without worry of how we were going to pay for it all, was so freeing. I felt strong, powerful and strong, after delivering each of my children. I felt very similar after paying off our debt, knowing we could take care of ourselves financially if something tragic hit our family.

You are amazing and strong, too, and can do really, really hard things.

THE HARD, BEAUTIFUL TRUTH IS THAT HARD THINGS TRANSFORM US.

Giving birth, choosing to say NO and live within limits to reorder your finances changes everything. Your endurance and commitment, your work and willingness to be uncomfortable will always – ALWAYS – lead you to your true, beautiful self, and, therefore, the strength to go for your dreams.

You will begin to trust your ability to accomplish any goal you set your mind to. You’ll have the freedom to choose whichever path you’d like, without the burden of financial constraints. You will know how to live true to your Values and not worry about what your neighbor chooses.

You are living your own life, on your own terms, without debt. Are you ready to commit to the labor of debt freedom?! It’s SO, SO worth it.

You got this,

 


DebtOlivia Zurawski