Your Lazy Attitude Is Likely Causing You To Remain In Debt
Although most of us have some kind of a job, our attitude about it says a lot. If we are the employees who are always late and give minimal effort, this attitude is likely carrying over into your personal life. Even if you think you are able to do well with one and not the other, I would argue that it is not 100% true. Inevitably your actions and attitude WILL transfer into your personal life from professional and vice versa.
Take Jim as an example. Jim is late every day to work. Yes, he does get his stuff done throughout the day, but it is just the bare minimum. Jim also has $60,000 in personal debt between loans and credit cards. Now, Jim has tried for years to begin paying if off, but he hasn’t really gotten anywhere. He makes the monthly payments, and may make additional payments here and there towards principal. However, all of this is offset with the interest. The kicker in all of this is Jim makes $100,000 a year with no family to support. So then why is Jim not able to knock this debt out in a year?
1) No Effort
Jim has the desire to get out of debt, but there is no drive. Much like his lack of drive at work, he doesn’t really feel inspired to take action against his debt. Why do more when the minimum is just fine?
2) No Structure
With no plan of attack Jim is set to be dealing with this debt for a very long time. Compounded with interest, Jim will be paying much more than the original $60,000. We don’t know why Jim is late every day, except for maybe he doesn’t have structure in his life to wake up and get ready on time.
3) Apathy
We all get to a point in life where we just can’t handle it emotionally and we check out. This is natural, but you have to remember to check back in. Jim has been checked out for awhile. He has become apathetic to his career and responsibilities as an adult. There is no longer a work ethic, just the work. It has to be done to get paid, so he does what he has to do then leaves. Making $100,000 a year is great, but if you don’t care to be rid of the debt enough to take care of it, nothing will happen. Hence lack of care to extinguish the looming burden.
Some may take offense to this, but just know that this may not be about you. If you are taking offense to it, perhaps it struck a chord with you about your own life? Be smart about how you interact at work and at home. They are inter-woven more than you know.