You know that guy Dave Ramsey I keep talking about? You know how he says people who don’t have debt are WEIRD?
Well, if you don’t know him…that’s what he says.
“Debt is normal…be weird.”
As of this morning, we are officially,
(Except the house.)
Whoo, people!! WHOO!!!!
It still hasn’t hit us. Surreal is an understatement. I haven’t cried yet. But I will. Buckets. :)
It’s major. Like, $125,000 in just about three and a half years, MAJOR. (Yes, there were three zeros.)
I told you about our debt story here, (I way underestimated how much we had already paid off at that point) and for the past three years or so, we’ve been fighting, scratching, clawing at it -- taking our finances BACK. And it’s truly been a fight.
We had flooring debt, school debt, hot tub debt, medical debt, clothing debt, I-have-no-clue-what-we-bought debt – you name it, we had it.
We were so tired of it. It was a monkey on our backs. A large, 125,000 pound monkey. And it was exhausting carrying him around. ;)
Getting rid of that monkey – exhilarating.
I thought it was impossible to live without a car payment.
I thought I would be paying off my student loan till I was 45.
I thought I couldn’t pay for a piece of furniture unless we charged it.
I was wrong.
We decided to live like no one else. So now we can live like no one else.
And it is rockin’ our worlds.
We can live without credit cards. We can save for something and pay for it when we have the money. We can save for our future and change our children’s lives.
It makes me so emotional when I think about how we are completely changing their futures. We will leave them security, not a financial mess. That makes every minute of this process worth it.
Yes, we could have done this without Dave Ramsey. It’s not rocket science. It’s making a budget every month and sticking to it – and telling our money where to go. That was a biggie for me. We were never telling it where to go, we were just floating along. La dee da, la dee da.
But Dave Ramsey inspired us. His conviction and enthusiasm is absolutely contagious. You want to attack your debt like a raging BEAR after you listen to him for five minutes.
And today, I clicked the button that sent the payment to my student loan – our very last debt. It’s all gone – forever and ever and EVER.
It’s the first time in our adult lives we’ve been debt free. We’ve both had debt since we were 18 years old. I have never been an adult and NOT had debt.
Till today. I feel like I could float away, it feels so good.
We are SO WEIRD!!!!
And if being weird is wrong, I don’t want to be right.
I wanted to take a minute and thank you so much for sharing this journey with us! I can’t tell you how much I appreciate your comments and emails about our story. It absolutely makes me smile every time.
One thing I know for sure – if we can do it, YOU CAN DO IT. It may take you longer, it may take you less. I know you will be so proud of yourself.
It made us more mature, it bonded us, it changed our marriage, in a really great way. It is one of the best things we have done in entire lives.
And I’ll say it again – WHOOOOOO!!!! :)
**And yes…we will be calling in to the radio show to scream. But now we want to take a trip down to Nashville and scream it in his lobby. It’s a big deal, and we want to celebrate it. :)
***I’m quite sure my Google ads will go crazy with credit companies after this post – I don’t personally endorse any of them. Just sayin’.