When I was a younger child (sometime before 8th grade), I remember using the space under my bed as a clean-your-room receptacle when I was ordered to clean up, but didn’t really want to.  It was an out; a quick-fix.

This inevitably led to more and more stuff being shoved under there, more stuff being “lost,” and a compounding of the problem.  My folks became aware of it when I was trying to just shove stuff up under there in a rush before we had company.

Of course, they eventually ordered me to clean that thing out, get rid of stuff, and put stuff back where it should really go.  But by then I was at the point where I didn’t want to really ever pull out all that stuff, because who knew what was in there?  Could be toys, books, trash, small animals, little brothers, anything!

So I protested, but I protested out of fear of having to face it.  They forced me to do it one day, and to my surprise, it wasn’t as bad as I thought!  And though I didn’t enjoy it, there was a sense of accomplishment once I got all the stuff out and sorted through.  It wasn’t cleaned up immediately, but at least I knew what I was facing.

That can really happen so easily with our money, too.   We use quick-fixes and don’t do the right things; the issues compound, and we get to the point where we’re not sure exactly how big of a mess we’re making.

At some point, whether you voluntarily start digging up the mess, or you’re forced to do it by someone else, you’ll have to face the monster you’ve created.  I work with folks all the time who are choosing to start cleaning up the mess of debt they’ve made, and they’re really understanding the monster for the first time.

I always ask them, “I know it’s not fun, but how do you feel now that you know what you’re facing?”  The answers are always the same, no matter how large or small the monster actually turns out to be: Empowered, better, at peace, in control.

Why is that?

Because the monster you know is easier to beat than the one you don’t.

If you understand something, you can defeat it.  If you know how big it is, what it’s component parts are, how it operates, what it encompasses, you know enough to defeat it.

So start digging out stuff from the closet, the file cabinet, the desk drawer, or under the bed, and face the monster.  It’s always easier to beat that way.

Question: It might not be debt or money-related, but where is the monster located that you have to face?