Fifteen years ago I was $187,000 in debt with little to show for it. Despite common beliefs people have about debt, I decided not to consider mine a problem. In only two years, I managed to change my entire financial situation.

Most people equate debt with suffering. They have the perspective that to change your situation you have to work harder while limiting your enjoyment more. However, being in debt doesn’t mean you have to do any of that.

Getting out of debt was actually fun for me. I knew that if I wanted my life to be different, I had to choose to be different too. Instead of listening to everyone else’s points of view about money and what I had to do to remedy my situation, I required a totally different perspective. Even though it didn’t make any rational sense, I decided debt was not going to stop me from enjoying my life.

Here are 3 tips to help you manage your debt without having to miss out:

1. Commit to your life

Have you ever stopped to acknowledge whether you are actually committed to your life? Commitment to your life doesn’t mean locking yourself into one particular path forever; it means never giving up, never giving in and never quitting.

Most of us are well trained in giving up what we would truly like in order to fit in with everyone else or whatever we’ve concluded we have to do. Committing to your life means being willing to be as different as you actually are, no matter what anyone else thinks, says, or does. When you commit to being different, you have different possibilities. No matter what your financial situation, you never have to miss out on anything.

2. Be willing to change your perspective on debt – and money too

What do you believe about debt? Does being in debt mean your choices are limited or that you have to miss out? What about money? Do you believe that you have to work hard for it? Your point of view creates your reality; your reality does not create your point of view. If you believe that you have to work hard for money, that’s exactly what will occur.

To change your perspective on debt and money, practice saying, ‘Interesting point of view, I have that point of view’ for all the thoughts and feelings you have regarding them. When you repeat this, you begin to let go of everything that’s limiting the amount of money you can have and the ease that’s possible.

Changing your perspective doesn’t have to be difficult – that’s also just an interesting point of view. When you change your perspective, your experience changes too.

3. Ask Questions Continuously

People constantly make statements about money based on what they’ve learned or believe, but very few ask questions. If you desire something greater with your finances, start asking questions continuously.

Questions are actually the beginning of change. Whether you want to make more money, get out of debt, or just enjoy your life more, questions open the door to new possibilities.

When I realized the extent of my debt 15 years ago, I began asking “What else is possible here?” And, “How can I begin to change this?” I didn’t decide what I had to do based on what anyone else was doing; and I didn’t conclude that I had to miss out. Instead, I asked questions like, “How much fun can I have with this?” And, “What choices can I make that will create the most ease?”

As you ask questions your sense of what’s possible will become greater. You’ll no longer be confined by what anyone else is doing or believes.

Being in debt shouldn’t mean you have to miss out – on anything. Committing to your life, being willing to change your perspective, and continuously asking questions allows you to have all new possibilities with what you can choose. If you’re willing to be different, your life can be different too.


  • Simone Milasas

    Business Leader, Bestselling Author, Global Speaker, Self-confessed Compulsive Creator

    Simone Milasas is an innovative business leader, best-selling author, global speaker, and self-confessed compulsive creator. Simone’s capacity for wealth creation catapulted her from $187K in debt to a thriving and diversified portfolio including co-owner of Castello di Casalborgone in Italy, The Antique Guild and Antiques and Possibilities in Australia, and El Lugar, an Eco-retreat in Costa Rica. Simone’s approach to business for the past 30 years cannot be found inside a textbook, rather she follows the energy, listening for what she calls “the whispers of awareness and consciousness” and is always in question of what next. She is the founder of Joy of Business, a program that mentors entrepreneurs globally to create greater wealth, success, and happiness. Coinciding with this, she is also one of the main Advanced Facilitators of and Business Development Coordinator for Access Consciousness®, and Simone has been instrumental in growing the company into over 175 countries across the globe. Simone’s perspective on life is not about ticking boxes, rather to enjoy abundant living and to be fully engaged with all choices. She has always had a desire to explore all parts of the world, gaining more of her with every diverse choice she makes. Including enjoying her body with martial arts, Pilates, running, hiking, and appreciating great food and a great bottle of wine. Simone is the author of Joy of Business and best-sellers Getting Out of Debt Joyfully, translated into multiple languages and Relationship: Are You Sure You Want One? Find Simone on her weekly podcast, The Choice, Change and Action podcast, where she invites listeners to choose a different reality.