Rambling About Money

I wish I could afford to be in debt.


Let me explain. I have a few classmates in high school who are now paying off houses, cars, or condos they bought with their own money. Some have started their own businesses, and those businesses have done pretty well.


As for me? Well I can't say I'm underpaid (well, not totally underpaid) but I can't afford to pay for some things I had expected I would have had by this point in my life. I cannot even afford to buy a second-hand car for crying out loud.


Some people might be wondering why this is a problem for me. Isn't being debt-free good?


Well yes. But I think it's the "bad kind" of debt that I'd be proud to be free off. But the good kind? I'd love to be in debt if it meant I was paying for my own house (or condo unit). Or even just my own brand new car. Or even a few luxury items I really want but can't afford to pay for (even if it's zero interest one year to pay) like a new DSLR body or a new super-powerful laptop or desktop.


Because if I can afford to pay for those things, it means I'm making enough that I could even consider buying those things I mentioned. It means I have enough disposable income to buy my own place, or my own car (those two are my biggest priorities right now) while having enough money to pay for my family's basic everyday needs.


Here's where I have an issue. Even though I have a wife and daughter, we live with my folks. I use my mom's car everyday to go to and from work. Yes I pay for the car's gas. But that's it. So basically if my wife and I suddenly moved out of the house I'm guessing our lifestyle would take a drastic change to a more spartan lifestyle. Something I don't want to do since I promised myself that I would never make my family experience living on a tight budget.


But facts are facts, and right now my wife and I are thinking of plans to increase our income. Wish us luck.


Out.