Today's a big day! After 30 months and lots of intentional spending and saving, we are officially debt free! To celebrate, the ol' husband (who is taking a quasi vacation day today! Woot woot!) asked if he could write the Quick Takes...how could I say no?
1 Very surreal feeling being here. It’s like having our kids. You know the day is coming for so long and all of a sudden it’s here. It’ll take some time to fully wrap my head around this reality. We’ve fought for so long to get here.
1 In terms of work, we worked extremely hard to get here. Definitely in the top 4 things that I’ve had to give everything I had to accomplish. Up there with Marriage, Parenting, and Engineering School.
1 Life definitely threw us lemons. The first month we started in this journey, we owed $4,000 in taxes. So we had to save up to pay it by April. Then, we had to get a new humidifier. Then in April, the basement flooded. Then July new brakes. Also, there was a new air conditioner. Also, a new water heater. Also medical bills for 2 new babies. However, we worked through it.
1 Any success we had I attribute it to my wife, Mary. She had to sign up to be part of all this and she worked the plan like a champ. There were many bumps along the road but she was the key to our success. Especially towards the end and continuing to work while pregnant with #3. (aww..this is Mary, how sweet was that!)
There was many times that I struggled along the way. Many times I didn’t want to worry about budgeting anymore, weekly grocery shopping, or continuing to throw thousands of dollars at banks. But I kept my eyes on the prize and I remembered what my reason for doing all this was. To be able to bring my wife home and be free from payments (except the house) once we did that. Prayer got me through the really tough times.
What keeps me going now into the future is thinking about legacy. I want to be the last one to have to borrow money for any reason and my children will get to grow up not knowing what debt is and how it can affect your life.
1 There’s no reason that everyone can’t be out of debt. You just have to have a vision, make a choice, create a plan, and execute it. Of course there’s more to it, but it’s not an impossible feat. If we did it, anyone can do it. It’s not about the math. It’s about behavior and learning how to control yourself and say “no” more often. I believe that it could change the world.
For more Quick Takes, visit Conversion Diary!