Last week, my Balance Journey story was featured on Blonde & Balanced.  As a segway back into my Confessions of  PF Blogger series, I’m posting it in it’s entirety here because it’s a fantastic synopsis of my on-going journey to financial freedom.  Enjoy!

Balance has not come easy for me. In fact, it is still something I consider to be a work in progress as my goals and interests are constantly evolving. Much like Amber, I have been on a personal improvement journey for many years, so I was instantly drawn to the opportunity to share some of my experiences.

I’ve been writing a series on my blog about my story of getting out of debt, and the process has allowed me to quickly surmise that I have achieved balance in three very large ways:

1. I’ve learned the power of “No”.
2. Material objects don’t determine my self-worth, credibility, or reputation.
3. I’ve made a concerted effort to Just… Slow… Down….

The Power of “No”

Saying ‘no’ had always been difficult for me:

In a nutshell, I lived most of my early adult life as other people’s doormat. I never quite understood the power of the word ‘no’, nor did I realize that using it would not immediately cast me off to some deserted island, forever lost in my poor decision to actually tell someone ‘no’. I was a people-pleaser and I was proud of it.

Or so I thought.

It took years before I finally managed to squeak out a real ‘no’. Boy, did that experience change my life! Now I consistently, respectfully, and happily tell people ‘no’ when I cannot do something or do not agree with a suggestion. Guess what? It didn’t cause me to lose my job, fight with relatives, or lose any friends.

Material Objects Don’t Determine Self-Worth, Credibility, or Reputation

I once had over $14,000 in credit card debt. I charged my way into oblivion by buying clothes, vacations, concert tickets, and other frivolous items. If I had a bad day, I shopped. If I saw something I liked but couldn’t afford it, I charged it. I foolishly believed that if only I had that shirt or went on that vacation, people would like me more.

My epiphany came one day while on a shopping spree and charging yet another needless item. Why was I buying these things? I had NO IDEA! I didn’t need them, and, quite frankly, I didn’t really even want them. So I politely explained to the sales associate that I had changed my mind, left the store, and never looked back.

I paid off every penny of that debt in one year. I replaced the need to buy with the satisfaction of friendships and relationships built on mutual interests such as running and conversations that focused on goals and dreams. I felt alive for the first time in my life and I didn’t have to rely on my credit cards to provide that genuine happiness.

Just… Slow… Down…

At one point in my debt-payoff frenzy, I was working six jobs. Yes, six! I was the little (crazy) train that could—I could work all of these jobs, go to grad school, have a social life, run marathons, and so on.

Riiiiiiiight.

While I kept up a frenetic pace for about a year and a half, I finally had a breakthrough (breakdown?) when I realized I had scheduled myself to work 28 days straight, with finals week thrown in the mix.

Hello, Superman called and he wants his cape back!

I quickly realized that if I kept this pace of life, my life would, in fact, pass me by. I promptly re-assessed my goals, re-adjusted my timelines, and slowly began eliminating my random jobs and side gigs. A few years later, I purchased my first home and since have fallen in love with a more “domestic” lifestyle.

Now I make sure to tame my workload and I don’t take on anything that won’t enhance my life in more ways than one. I seek out entire days where I can simply just be and revel in the small joys in life. After all, if we’re not truly enjoying our life, are we really living?

So there you have it—my balance journey! If you should find yourself over-committed, debt-ridden, or down-trodden, just take a moment to breathe, re-adjust, and chart a new course. You are the owner of your balance journey, your happiness, your destiny. Life really is what you make of it and I’m in the camp of making it the best f’in life possible.