One of my favorite places to run is on Erie’s Bayfront. Our office is about 10 blocks from Lake Erie, so I will take my gym bag with my running gear to either of two downtown Erie YMCA’s, the older one on 10th, or the fitness facility across from Hamot.
After I change Into my running gear, I jog down to the Bayfront Connnecter, cross when it is safe, and then run along Lake Erie, most of the time following the contours of the Bayfront around Erie’s Convention Center and back, circling the Erie Waterworks, and also following the outline of the docks and parks, and back again. The run takes between an hour and an hour and 15 minutes, and, because it is flat, I am not particularly beat up.
One of the reasons why I like running (and walking) is because you can see the changes around you every day, week, month, and season. Today I had my long sleeves on to break the cool lake breeze that was coming in from Canada, contrasting to the shirts-off day last week when the temperature flirted with 80. And today I ran by coneflowers and rudbeckia, the purples, pinks, and bright yellows fading quickly as the flowers go to seed so that they can provide sustenance for the many Erie area birds that hang around town for a while. And on this run I noticed that many of the boats that were floating in the dock areas last time I ran are now land-bound and on trailers, some already shrink-wrapped in blue vinyl to protect them from the endless Erie winter-to-come.
It is the changes that I love, the changes that makes each run special. But what if your financial situation is bad and not changing? Do the charge card bills look the same every month because almost all of your payments are going to interest? Have you glanced at the part of the bill that says how long it will take to pay the bill in full at the minimum payment, and is that time many years from now? And do you see anything on the horizon that will make a big difference?
This is a tough way to live, and our clients say it feels hopeless and endless.
But it doesn’t necessarily need to be like this. You don’t have to wait until another season has gone by to at least consult someone who understands your situation. Maybe it is time to see if a Chapter 7 (for possibly getting rid of your debts), Chapter Eleven (most often for business reorganization), or Chapter 13 (a debt consolidation solution), will be something that will make your situation better.
Maybe, just maybe, it’s time for a change in your life. Maybe, just maybe, you will then be able to look at your finances and see Spring instead of a long, cold, winter. And maybe you will feel better after we take a look at your situation and give you our recommendations.
To everything there is a season. May this next season belong to you.
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