WE'RE DEBT FREEEEEE!!!

Well, this is actually kind of old news now, but I never got around to posting it. Furthermore, I generally do not make it a practice of talking about our finances with other people. However, this is something that I want to remember, and I especially want my kids to remember as they become adults, so for that purpose, I am telling our story.

Several years ago (or more -- Abby was just a little thing), we were fairly newly married, had two car payments, student loan debt, and a good chunk of credit card debt. We were pretty normal, I suppose, but always felt the weight of all the payments and never feeling like we could get ahead. On a visit to my parents' house, my dad started talking about this guy he'd been listening to on the radio and what he'd been learning. Turned out this guy was Dave Ramsey, and my Dad offered to pay for us to go to his Total Money Makeover event here in San Antonio if we'd be willing to go. Well, we weren't going to turn it down, but it was admittedly a little hard to get excited about going to talk about money. We went, though, and were totally inspired. There was hope. We didn't have to live this way!

So we decided on a plan. We saved up a little emergency fund, cut up our credit card, and we began to pay off debt. I won't say it was easy. It wasn't. And there were a couple points where we lost focus (we bought two cars along the way, adding to our debt). BUT... the more we paid off, the faster things got moving and the more excited we became, until five years later (PRAISE THE LORD FOR HIS PROVISION!), we finished paying off every last dollar! (Except for the house.)

All along (especially the past year or two) the kids have been very involved in the process. When we paid everything off, they were thrilled about calling in for Dave's Debt Free Friday, and screaming "We're debt FREEEEEEEEEEE!" But with our schedules, we never seemed to be able to get all together at the right time. So a couple weeks ago when I heard that Dave would be in town for a book signing, the kids asked if we could go meet him and tell him about being debt free. So we did! We got the chance to meet him, have him sign our book, and (though the kids chickened out and hid behind me) tell him we were debt free. We didn't scream in the book store, but he and his team said, "Yaaaaaaay!!!" It was quick fleeting moment, but it was fun. :) Our friends Daniel and Amanda were there too and were kind enough to snap a quick pic.

While paying off debt was thrilling, I think the most exciting part was being able to buy a car without a car payment in August. That was one thing we just never thought would be possible! It wasn't expensive or fancy, but it's not dragging a payment with it, and THAT feels good!