Debt

...we have a lot of it.  Not something I'm proud of, but I went to college for 2 years total and my husband went for 4 years, and that alone can sink a person.  Then we decided to have kids, I love them and wouldn't trade them for the world... but alas more debt.  Well then the family was too big, so then we needed a bigger car-more debt.

We are strongly convicted in this area to get out of debt, it is a huge sink hole.  It has been a huge burden and the object of so many of our prayers.  We realize it is a sin to be in debt and we want nothing more than to just GET OUT! 

We have not taken the Dave Ramsey class although I have read a book of his-and man is it full of so many good ideas as to how to get out of debt.  We have applied a lot of them and have done a lot of things to creatively live on less money.  We have had some help, and we have had a lot of encouragement.

Well today is a big day... I just put the last payment for one of our medical bills in the mail.  This means we can now start applying the snow balling process that Dave Ramsey talks about all the time.  It is a wonderful tool-it just took us a while to be able to utilize this tool.  I'm so happy to say that starting next month we can start snowballing those payments by adding them onto our next lowest debt.  Debt here we come-we finally have some momentum going and it feels so good to get it moving!

One of my goals was to get at least one bill paid off-I can now check that off my list.  But I'm going to aim for 2! Let's see if we can get at least one more bill paid off this year.  I would shoot for 3 but I'm not going to get too excited...yet.  But God has always provided in miraculous ways so you just never know! Maybe we will get 3 paid off this year!