And it wasn't pretty....
Steve decided in this troubled economy the best thing to do is,Save all we can for a rainy day and be totally debt free! I prepare for rainy days by making sure if I ever need a dryer or fridge I have plenty of credit available to buy those items. This is a road we have walked down before and I'm afraid to admit I seem to learn things the hard way. I listen to financial guys,have a NO DEBT sticker on my bulletin board and I have taught my kids the perils of credit cards. They have never rolled over a balance and I am so proud of them for that.But I have used mine for emergencies,and the hubby seems to think I have a few too many emergencies. When things are on sale "I simply cant afford not to buy them" And my sweet husband pays the bills and sighs. And it's time for me to grow up! So Sunday after another long ,calm talk I took out my wallet and turned over all my cards. Thankfully most had zero balances and had not even been activated. But They don't belong in my wallet. We cut them into pieces and I have to say I feel good! I have my debit card and one credit card"for emergencies"(or for highlights,some things are simply non negotiable) The remainder are long gone. And I am humbly going to be obedient to the Lord and to Steve in this area. We both desire to help others when needed, live more simply, build our rainy day fund and be better stewards of ALL that God has given us. I am 39 and I still have growing pains learning how to be a responsible adult. But it's all good stuff, and by golly I am gonna learn.
OK...I'm not 39.........b.a.b.y. s.t.e.p.s. out of my denial
On a side note ~One of my heros is Dave Ramsey. He is a Godly financial advisor and I listen to him often on the radio. So my brother Dave arranged for me to meet him when I was in Tennessee.What a thrill! He is so knowledgeable about how to live 'well' without debt. Bet he's proud of me!
On a side note ~One of my heros is Dave Ramsey. He is a Godly financial advisor and I listen to him often on the radio. So my brother Dave arranged for me to meet him when I was in Tennessee.What a thrill! He is so knowledgeable about how to live 'well' without debt. Bet he's proud of me!
8 comments:
hahah so proud of you!!
Okay, I'm leaving you a comment...Good job cutting up those cards! Now, if only I could do it too? Wil cut his up awhile back but I just can't let go of at least one 'for emergencies' - The rest, they can go...But Wil is going to have to do it for me :(
See you in the morning! Jessica
Yes, but did you close the accounts?! Hint, hint. Just kidding. I have a wallet full of plastic, no balances, but the thought of not having them gives me palpitations. Of course, Target just sent me a letter since I have not used their card in over 12 months they were going to close the account. Sheesh. NOW they get all good about keeping track of things like this.
I love Dave Ramsey and I have given copies of his book to almost everyone I know. But why is it the people who really need it use it as a coaster on their night stand and never read it? I am so jealous you got to meet Dave Ramsey!
I am totally with you on living the simpler life. Maybe we can compare frugal books!
Great post! I had to do that about 6 months ago as Greg is so much better with money than me and I didnt want to be dragging the family down , and cutting them all up hurt yet felt good and now it feels so good to have NO DEBTS and no credit card BILLS coming in and going on...! Congratulations!!!!
Good job YOU!!! And good job Steve! that is impressive and I must follow your example. That is a difficult thing to do but will benefit all in the end!
Holy Cow what an accomplishment. I am sweating just thinking about you doing that. You could either do that or do what I have done... max out every single card so that you couldn't use it if you wanted to and keep them in your wallet to fill up the little slots.
You both are an inspiration! I am sooo proud of the two of you! I went to do the same thing but could not find the scissors! I am looking for the skill saw in the garage!!!
TWONDA!!
Way to go Karen!!!
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