I’ve been asked a lot lately how it feels to finally be out of debt. And my first response is always the truth – that it feels amazing, great, a total relief!
But what I usually say next, because it is also the truth, is that life doesn’t feel that much different yet. In fact, we’re guessing it will be a few months before we really start to feel like we can relax financially. To get out of debt, we put every spare cent we had towards our credit cards, which means we were frequently down to our last couple dollars at the end of the month. As a result, there is no extra “fun” money cushion available to us at the moment, and we actually had some significant expenses this month that were planned and expected, but need to be paid all the same. For instance, we had to do some repairs to the duct work in our house after we discovered one had come loose and we were paying to heat the crawl space instead of the house, which cost about $500. We put off Stella’s annual shots and vet exam for a couple months due to our finances, which we felt really anxious and guilty about, so we said we’d make it happen this month no matter what and we did – to the tune of about $250 bucks. So we may not have to come up with our usual credit card payment anymore, but we still do have to come up with close to $1,000 this month. I’m just grateful we don’t have to come up with the credit card payment ON TOP of that.
So yeah…life is not all that different for the most part.
But there is one effect of being debt-free that HAS surprised me – knowing we will soon have some discretionary income again has made me want to get rid of more stuff! I had felt pretty plateaued out on the whole purging process, and felt like maybe I had finally reached my lagom in certain categories. But right after we got out of debt, I suddenly felt this surge of of wanting to get rid of things, especially where my clothing was concerned. Weird, right?
Well, maybe not. Because when I think about it, much of the reason I was holding on to some items was because I wasn’t sure how long it would be until we were out of debt and I was no longer on such a strict shopping lockdown. I was hesitant to throw out too many of my clothing options when I knew I couldn’t buy something new if I got bored. And that fear made me clingy.
But knowing that it’s now an option (within reason) to replace something that is worn out, or to add a new item to my closet that I really love and think I will use, made me start to reevaluate things I’ve hung onto that I don’t love as much. Also, the weather in Portland has been absolutely glorious, so a couple weeks ago I took my spring/summer stuff out of storage and retired my heavier winter clothes. As I was about to hang each stored piece back into the closet, I really took a minute to decide if I still loved each garment, and in several cases the answer was either “no” or “eh…I dunno.”
This time, instead of doing what I’ve always done – which is to just shove everything back in the closet anyway – I decided if the item wasn’t a definite “I love it” piece, I would test drive it. I would wear the item as soon as possible, and if it was uncomfortable, or didn’t really suit my lifestyle anymore, or made me feel frumpy, or dove me crazy in any way, it had to go.
It proved to be a great exercise. Some items I only wore half a day before I couldn’t stand it anymore and changed into something else. Some things didn’t even make it past getting dressed in the morning and checking my reflection before they landed in the giveaway pile. In truth, I was probably being super duper extra critical of everything, but I don’t think that’s a bad thing in my case. As someone who has been prone to emotional and impulse buying, it’s good for me to practice being really, REALLY critical of purchases, whether that’s before I buy them (preferably), or admitting that they were mistakes after the fact and letting that acknowledgement make me more cautious moving forward. I found myself learning a TON about what I really love and want, and what I need to carefully consider and avoid the next time I’m about to buy.
For instance, I’ve been a such a sucker for a sale in the past, that I’ve been known to buy things that aren’t my actual size, thinking I may take them to a tailor, or that the fit isn’t as bad as I think it is. The items I test drove reminded me that I will pretty much NEVER take something to the tailor (because I’m lazy), and the fit is absolutely as bad as I think it is. As a result I barely wear the item. Like this very cute blouse from Anthropolgie:
It was on sale, and I loved it. But it was one size above my usual size. I bought it anyway, and then every time I wore it, I spent a lot of time checking to make sure the neckline was still in place (it often wasn’t). It looked great if I stood perfectly still, but as soon as I did something crazy, like, you know, move around, I was showing the world my cute blouse AND my cute bra. Classy.
Also, both these skirts have been hanging in my closet for years:
I don’t wear them that often. Why? Because despite the way I WISH my body was shaped, my actual shape does not look good in a skirt that’s cut like this. Again, if I stand perfectly still, it looks great. As soon as I start walking though, skirts like this start inching up around my hips and I spend all day tugging them back down. They’re meant to hit just above the knee, but frequently on me, they scrunch up to miniskirt length. I did make it through a whole day in the brown skirt, but it made me miserable and when I got home, I immediately took it off and threw it in the giveaway pile.
This shirt is a perfect example of how shopaholic crazed I can get sometimes:
I saw it online, and it was on sale. I dawdled about buying it for a couple days, but then decided I was going to get it, because it was the style I was looking for, I loved the color, and it was on sale. But when I went back to the website to purchase it, they no longer had it in my size. Suddenly I went from wanting the shirt in a nonchalant way, to an obsessive, white hot panic to track down another one just like it at any cost. I trolled the web for a couple days and found another one for double the price of the one that had been on sale, and was just about to buy it, when I happened to check back with the initial website, and they suddenly had it available in my size again. I triumphantly bought it, and was so excited to get it…until it arrived. It was much cuter online than in person – in person it was much boxier, and the neckline was a lot lower than I’d realized. Much like the blouse mentioned above, every time I wore it I found myself checking to see if my bra was showing. I kept it for longer than I should have, trying to convince myself I liked it, because when I thought about the fervor with which I’d pursued it, I felt stupid. But that’s the trouble with keeping things that make you feel that way – every time you look in your closet, they mock you and remind you of your mistake. I decided it was better to admit my error and get rid of it, rather than have to look at it every day and feel guilty.
In the end, the size of the pile I amassed really surprised me:
But I didn’t feel hesitant about getting rid of any of it. I took it to resale and walked out with $84, which I’ve used to replace some of my worn out basic summer staples like shorts and t-shirts. Everything I bought I found on incredible sales ($8.99 for some summer t-shirts at J. Crew, are you kidding me???), and I love the colors I chose, the quality of the items, and how they fit.
I have less stuff in my closet now than I’ve ever had, and while there still may be a few “on the fence” items lurking in there, I am pretty thrilled with everything I’ve kept, and still feel like I have a lot of stuff – maybe even too much. It may not be be lagom yet, but it sure has been a pleasure to get dressed in the morning.