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Is getting out of debt going to be fun?

February 20th, 2011 at 05:20 am

I think so! I am so excited and looking forward to the immediate satisfaction that will come when I make my final payments to my creditors! While it will be TOUGH (and tough can be fun), it is with a very determined heart and mind that my husband and I usher our family into a new phase of our lives where we have ZERO debt and WE decide where our money goes down to the last happy little penny :-)

My husband and I are very fortunate to be employeed and we currently have no issues with paying our bills on time...however that would NOT be the case if I was to unexpectedly lose my job. I have usually been fairly decent with money and not racking up debt but as I've gotten a little older and made more money, I have noticed that I made some financial decisions assuming we could pay it off later. Now I look at our finances and my thought process and I am really shocked at how stupidly I've behaved and the money I've wasted. I can't do anything about THAT money but I can do something about the money God has earmarked for me in the future.

In January of this year we started the Dave Ramsey plan. I really do love that man -- so practical and so very right in his teachings. I prayed to God for helping in managing our finances and doing a better job and I KNOW WITHOUT ANY DOUBT THAT HE LEAD ME TO DAVE RAMSEY! He is so passionate about giving people HOPE for their future -- it is really a blessing to those who are seeking help! Thank you Dave!

So this blog will be my personal outlet to share my fun and exciting journey of getting out of debt. Will it ALWAYS be super fun...no. Will there be setbacks...sure. All I can do is the best I can for myself and my family and I know the reward will be the best thing I could ever do for my family!!

More to come on my numbers....wish me luck ;-)

Posted in Debt | 8 Comments »

8 Responses to “Is getting out of debt going to be fun?”

  1. LuckyRobin Says:
    February 20th, 2011 at 12:53 pm 1298206412
    1298206412

    Welcome. And good luck.

  2. NJDebbie Says:
    February 20th, 2011 at 01:22 pm 1298208146
    1298208146

    Welcome to SA! Although I do not follow Ramsey's teachings step by step, I've learned a lot readiing his book and visiting his website often. May I suggest you visit Swagbucks.com and moneysavingmom.com. I think you'll like them.

  3. Ima saver Says:
    February 20th, 2011 at 02:34 pm 1298212444
    1298212444

    Welcome, we are glad you have joined us. Being out of debt is lots of fun!

  4. CampFrugal Says:
    February 20th, 2011 at 02:58 pm 1298213923
    1298213923

    Wishing you an awesome get out of debt journey. Welcome.

  5. mjrube94 Says:
    February 20th, 2011 at 03:25 pm 1298215558
    1298215558

    Welcome! You're right about it being tough, but fun. You'll find a really supportive group of people here, and a ton of great ideas to help you on your way. I'm looking forward to following your blog...

  6. creditcardfree Says:
    February 20th, 2011 at 03:59 pm 1298217597
    1298217597

    Welcome to SA! Dave Ramsey is definitely a motivator in the realm of finances and should get you to a great place fast.

  7. Petunia 100 Says:
    February 20th, 2011 at 04:43 pm 1298220192
    1298220192

    Welcome! Best of luck to you with your goals.

  8. Looking Forward Says:
    February 20th, 2011 at 07:51 pm 1298231467
    1298231467

    Welcome! Smile

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