We don’t typically like to air out our dirty laundry for everyone to see. I have much respect for Ryan Brewer and his willingness to share some of the missteps from his past and how he’s embraced the lessons they taught him. Not to worry, Ryan, if stupid was illegal, I’d be right there in jail with you! ~D.S.
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1. I wouldn’t change all the different times I borrowed money.
True, that sounds like the complete opposite of what most people would say. Think of it as a great lesson on what to never do again. Borrowing money and getting my financial butt handed to me taught me a very valuable lesson that will stick with me the rest of my life. I’m so glad I made the mistakes because it made me what I am today.
2. I would’ve learned to do a better budget earlier.
In the early days, “budget” was a swear word in our house. Even if we did a budget, it was really hard for us to stick with it. I regret not learning how to properly do a budget and be able to stay on it each month. I can only imagine the thousands of dollars we wasted by not following a budget earlier on.
3. I wouldn’t have ignored by credit card bills for so long.
Sure, credit card companies are annoying and can get under your skin, but ignoring them is not something that I should’ve done. When you have a choice between eating and paying a credit card then obviously you would eat. For myself, I could’ve done both, but chose not to pay the cards and it really backfired. I wish I would’ve paid more attention and kept up with my credit cards, it would of saved me a lot of money in the long run.
Even though some of my financial past is marked with mistakes I wish I hadn’t made, I wouldn’t change any of them. What I learned in the process was just too valuable. Don’t waste your time regretting what you have done; focus instead on the path ahead.
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Ryan Brewer is the author of If Stupid Was Illegal We’d Be In Jail. And runs ifstupidwasillegal.com. Ryan is a blogger who loves to share is story with anyone. Ryan also is a stay at home dad. In his spare time he likes to ride his bicycle with no hands. Ryan can be reached at @ltj2009 or ifstupidwasillegal.com.