The good news: We don't have any credit cards, so no credit card debt. Yay us.
The bad news: We are rapidly accruing student loan debt and still owe $40,000 in medical bills for Peyton's treatment. Boo us.
Enter Dave Ramsey. And I love Dave. I really, really, really do. But man. He is wrecking my swag.
To know me is to know I don't like to be bossed around. I let God boss me around, annnnnd that's about it ;-) But now, Dave Ramsey is the boss of me. Sigh.
Dane and I did a hard core evaluation of our money situation. We've spent the last 6 years having a love/hate relationship with our checking account. We were the couple that did it right. We have college degrees, well paying jobs, lived within our means, saved for college for our girls. Then cancer showed up. It wiped us out financially. We spent college money on chemo. And we were (are) seriously bothered that our planning was all for nought when it came time to pay for Lindsay's education. And we felt stuck. And we felt angry. And we felt fearful. And we began to take on student loan debt to the tune of $20,000 a year.
Then after some wonderful and wise sermons from our dear pastor Rodney, and some serious prayer and listening to God, we knew we were being called to rid ourselves of debt.
I bought this amazing book and got to reading:
I knew we had our answer from God. I can tell you we aren't doing ALL of the things Dave recommends (neither of us is getting a second job because we have a child to raise and she needs us more than we need to rid our debt) but most of his other stuff, we're all in. And at first, it was a snap.
Then Dave started to boss me about the "extras" we spend our money on. He took shots and my bi-weekly manicures, my grocery spending...and my satellite radio.
RIP dear friend. I love you and miss you:
But here's the thing. I've learned to enjoy (read: not love) public radio. It's free and it will do. But man, Dave is so the boss of me.
I also got on board with my sweet internet buddy Jon, and he and Dave showed me how to spend grocery money responsibly. Bless them. That didn't hurt at all, so Dave can be nice too.
I'm still getting bi-weekly manicures though. Rome wasn't built in a day.
The good news: According to Dave, we'll be debt free in 6.10 years. That. Includes. Our. Mortgage. 9 years ahead of schedule. God is amazing. So is Dave Ramsey :-)
The bad news: There isn't any. God is setting us free. How awesome is that?