Changes…

snowball

Just to bring you up to speed…

Years ago we felt compelled to make a change in our lives and put ourselves through the “years of suck yuck” to enter into debt-free living (thank you Dave Ramsey). In the spring of 2005 we felt it was time for action. We were saddled with debt and barely meeting our obligations. But Alan was already working 50 hours a week and Jamie was at home caring for our 2, 3, and 4 year old girls. What could we do?

We prayed about our situation and felt we should cut back. After all, it would be easier to make sacrifices now while the girls were young…we moved into a 1200 sq ft duplex, cut back on extras, even pulled the girls out of activities. Looking back, it seems it went quickly…but remembering back, it was not fun (hence the naming of our Years).

Freeing up that money helped us start a debt snowball. At the end of two years we were able to payoff over $25,000 in consumer debt. No credit cards, no car payments! We leased a home with more space and were able to (cautiously) resume activities (e.g. gymnastics and piano). But this time, we lived on a budget, below our means.

All this freed us to take our next step…which we could never have done three years ago (the banks would have just laughed at us)…

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