Thursday, March 15, 2012


Today my sweetie and I celebrate a momentous occasion that we have been working on for quite a while.  Other than our mortgage, we are debt free with 2 months' worth of income in savings.  And we are on track with our mortgage to pay it off many, many years early. It is a great feeling.

I wrote this a couple of months ago and saved it as a draft for an upcoming blog post.  We were just a few weeks away from meeting our financial goal and I was anticipating the joy of paying off our last bill.  Last summer we just had our mortgage and a car payment. The fall and early winter brought a huge increase in some bills and a temporary deduction in our incomes.  It was a small bump, but we were quick to get back on track in paying off the last of our bills and had a plan of paying the car off quite a bit early-- by March in fact.  We also had some money saved to redecorate the kitchen-- it is stuck in the 60's, complete with orange, white, yellow, red and black carpet. Uggh!

But instead of celebrating being out of debt (besides our mortgage) and paying cash to redo the kitchen, life has thrown us a curve ball. We now have a huge medical bill, as in tens of thousands, to pay. yikes! My husband's son is coming to live with us, which we had to put his $1200 plane ticket on a credit card. ouch!

So, we begin a new chapter of paying down a humongous bill. We will welcome my husband's son with open arms. And, well, I have lived with my 60's kitchen for 7 years, what's another year or two??

My new motto comes from a line in a church hymn reads, "Gird up thy loins, Fresh courage take."

And, that, my friends, is


  1. Hi, It is Kelly from the First Commandment Blog =) I love that you have already planned ahead and are anticipating being debt free! It can be frustrating when life happens unexpectedly, before my husband left for the 1 year deployment he was only 3 months away from getting out of the Air Force free and clear but then the tasking came down and he was stuck in the military for another 365 days! But God worked it out for good. I am sure in some way God will make it a blessing in disguise for your family =) Proverbs 16:9
    A man's heart deviseth his way: but the LORD directeth his steps.

  2. Thank you Logan Family! Proverbs 16:9 is one of my favorites!



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