I have been there, and I revisit these fears on occasion–probably even more often than I care to admit. I still have student loan debt that I hope to pay off before I retire. I haven’t found health insurance that is worth the exorbitant costs, and I only recently paid off an emergency room bill from when I had catastrophic health insurance that didn’t cover a major head injury. It’s not ideal in many ways. I live modestly on a tight budget. My partner and I cook our own meals, don’t have television, don’t subscribe to the latest fashion trends, and use our gadgets until they are ineffective. Yet I still live relatively well.
One of the best things I did for myself in this area was to transform my relationship with money. I continue to work on this daily, reading books, such as:
- Secrets of the Millionaire Mind, by T. Harv Eker
- Money is My Friend, by Phil Laut and Jeffrey Coombs
- Financial Peace and Total Money Makeover, by Dave Ramsey
- Think and Grow Rich, by Napoleon Hill (now in the public domain and free on your Kindle)
- Accounting for the Numberphobic, by Dawn Fotopulos
The more I’ve learned to let money and numbers be simple ways to tell me where I might be heading (like a map), instead of saviors or enemies, the more I’ve been attracting what I need–in divine time. My mantra is often, “I don’t know how it’s going to work out, but it will.” Then, I get back in action, taking care of my responsibilities, and it does indeed work out each time.