The Lightbulb Moment

Lightbulb moments are just great aren’t they? They’re not terrifying at all. Oh no. They’re safe. And predictable. And easy. I mean they’re smack dab in the middle of your comfort zone. Right?


Lightbulb moments are the worst. These guys are like A Nightmare on Elm Street or something. They’re never-ending dreams that seem real, but impossible. You tell people about them and suddenly you’re insane, but that doesn’t make them go away. These so called lightbulb moments don’t kill you like Freddy Kruger, but if you ignore them… they’ll haunt you until you take action. And when you do, they’ll make you believe you’ve got them all figured out. Then, plot twist. Things aren’t what you thought and suddenly you’re back at square one. You try to go on with life as it was before, accepting things as they come. And for the briefest of moments, there’s a reprieve. You’re lolled into a false sense of security, and then suddenly, “Freddy” returns. And surprise, surprise, he’s even harder to conquer than before.

It’s maddening. MADDENING I tell you. But… if you know anything about A Nightmare on Elm Street, Freddy Kruger or scary movies in general, you know that on the other side of all that madness is liberation. All you have to do is persevere.

You can’t let Freddy, or the fear associated with your lightbulb moments, keep you from coming out on the other side because that’s actually the worst. Not the lightbulb moments themselves, but the failure to continue in a course of action without regard to discouragement, opposition, or previous failure.


I say all of that to say this. This year has been a total lightbulb moment for me. I’ve had a moments where I realized I was stuck in a rut, drowning in debt. I came up with a plan and it worked… And then, insert plot twist. I had a setback that made my debts seem insurmountable. It made me was to crawl under a rock. I started to tell myself Maybe debt isn’t such a bad thing. I saw myself being lolled into that good old false sense of security. That’s when I realized, all the frustration and hopelessness that I was felt didn’t in the moment wouldn’t go anywhere unless I overcame it. Well, that’s just what I plan to do. I’m going to push through every setback and every discouraging thought that comes my way.

That said, today, I’m recommitting myself to my spiritual and physical well being, to my life goal or being onerichgirl and to this blog.

I’m going to persevere and I want you right here with me. So, I want to hear about your lightbulb moments.

Let’s see if we can give Freddy a run for his money.

Let Me Be Real For a Second

I’m sitting in Barnes and Noble right now. I’ve had a few glasses of wine ($5.99 courtesy of HEB thank you very much) and I’m reevaluating things in my life, as I have been doing for the past couple of months, and I realized that while I’ve learned a ton in my effort to better myself, I haven’t been implementing it in all areas of my life. I mean, sure, I have fewer debts (thank the LORD. I’m now sitting at $25,076 in total debt), and I celebrate that, but I could be so much further in my journey.

I don’t want to  relish in my shoulda, coulda, wouldas, but I’m realizing that I’ve chosen those things that I’m comfortable with over those things that will most certainly benefit me in the long run and I’m done with that (at least I hope). I mean, let’s get serious, it’s easy to slip back into the norm. Come on, it’s EASY. You start to feel lonely. Like you’re missing out on the fun things in life. Like you’ve become the boring friend that just wants to stay at home. It’s enough to make anyone tiresome. BUT, you have to persevere. You have to think about the future, not just what feels good today. Seriously, It feels good for everyone to see that you can go out every Friday and Saturday night, buy shots for your everyone and still hold your head up high on Monday morning (albeit with a slight hangover), but that feeling isn’t there on the 23rd when you’re all alone and you get that bill from Capital One that says you spent $500 the previous 30 days eating out.

Financial Setbacks and How to Recover

The road to financial recovery isn’t always sunshine and roses. Matter of fact, it’s hardly ever that. It’s filled with a ton of sacrifice and discipline followed by a few moments of satisfaction when you meet your first goal. Then the never-ending cycle starts all over again and continues forever. It can get tedious and sometimes, you have setbacks.

At least that’s where I found myself last month. I mean, my setback wasn’t devastating. I didn’t have an emergency that cost hundreds or thousands of dollars or anything, but I found myself going down a path that could have been a huge blow to all the progress I’ve made. And, it all started when I had a few too many drinks.

One Credit Card Down, Four More to Go

When I first started my journey, my lowest credit card balance was $1,800. Well, I’m super excited to be able to say that debt is dead and gone!

$30,165.56. That’s my number now.

Since last month, I’ve been able to reduce my debt by $1,786.20 and I couldn’t be more excited. My next goal is to pay off my CareCredit card which only has a balance of $200.

Sidenote: It’s from a dental procedure I had last month. I had to make a choice. I could have paid cash for the procedure and put off my goal of paying my first credit card for another month. Or, I could charged the procedure, with zero interest, and pay that balance off next month.

In the end, I felt like I would feel more accomplished if I completed my initial goal, so that’s what I did.

So far, no regrets.