This past year was one of chaos and loss. We suffered a terrible loss at the beginning of the year and it plunged everything into chaos. The result of that was a hug disruption in our lives, a shifting of family dynamics, and even more elements of chaos that threatened turmoil on our lives.
The biggest lesson I learned is to not add more chaos. In some ways that is my response to chaos. To figure what I need to be doing and if I can’t find anything then make it up. A lot of my fast moving at the beginning of the probate process was necessary, but once through that stage I should have taken a moment of reflection.
I am not sure on what as many of the plans I had in May or June still haven’t been completed. A lot of that was caused by other people. Very few people in this beach town want to move at my pace. That causes me frustration.
When I say to slow down I don’t mean slow down in action. When an action has been decided it should be executed swiftly and efficiently. What I am talking about are periods of inaction. I will give an example from Stable Hands. During the birth of the children and the aftermath of Covid we built up a fair amount of credit card debt. This is a moderate nuisance now. I wish to remove it from existence.
There are a couple ways to do that. One is another loan. After looking into it and thinking about it this doesn’t seem like the best course of action. Our current plan also isn’t working but I don’t want to commit much more than that to debt services each month.
The other idea is to roll the credit card debt into the line of credit. That means any payment that would be made towards the credit card is made towards the line of credit instead and then that is used to pay off the credit card.
It might take a bit to get there and get it done, but I do think we can do it and that we will get there. That feels like the best plan. It is stable and reliable and doesn’t involve anymore action. We just get to slowly, but surely get rid of this high interest credit card debt and weave it into the existing line of credit, and then we can focus on that.
The best solution would be to go back in time and fire the manager that caused a lot of these issues during Covid, but that can’t be done. At this point we can only deal with the challenges in front of us, and that means executing this plan in this manner.
David Huzzard Writes 