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Archive for the ‘debt free’ Category

I received my husband’s registration for his truck in the mail yesterday. I noticed it looked a bit naked, the registration had a big empty white space.

Curious, I took a second look and noticed the void was a representation of our new debt free way of living.

Yup, the ‘Lender Information’ section was bare for the first time since we’ve been married. Heck, for the first time EVER.

We paid off his truck in July and seeing that big empty space brought back the same feelings I experienced the day I mailed the final check. I received two reminders since then that my fight with debt is ending. The pink slip made me giggly and the registration nearly made me cry.

Debt has haunted me, but I’m finally starting to clear the ghosts out of the closet.

It’s a wonderful feeling.

My husband and I are attending Financial Peace University (Dave Ramsey’s course) again. We attended the series two years ago but I missed nearly half when I lost my day job and started working nights.

The first class was this week and the facilitator asked if anyone was a returning student. My husband and I raised our hands along with one other couple. After the video, we gathered into a small group and were immediately asked if the course had changed our lives. My husband and I said it had and that we lived below our means.

‘Are you debt free?’ a classmate asked.

‘Um. No. We have about 10 grand left.’ I said, ashamed two years has passed and I’m still carrying financial baggage.

‘At least you are working on it. And you’re here!’ she said smiling.

The rest of the group talked about their struggles and goals for about 20 minutes and then we all headed home. It was nice to hear others are fighting the same things as me.

It’s funny that I can openly and fearlessly share every little detail about my debt with you but I’m completely ashamed to share it with the small group – then again, I don’t have to shake your hand every Sunday morning.

If you haven’t been through FPU, you should consider it. The lessons are great but more than that, you have someone to look you in the eye every week who asks… how did you do this week?

Suddenly, spending feels different.