Debt is a topic that Wes and I could (and sometime do) talk about every single day. For the most part, we have been pretty good with our money. When we first got married and bought a house, we were shocked that we could afford a brick house! (sigh... we were so young ;) We were experiencing paying bills and keeping up with all the money as a couple for the very first time so we were really careful! We didn't think we could afford cable, so we didn't have it. We didn't think we could afford high speed internet, so we bought NetZero. Both of our cars were paid off. And I remember when I needed to buy clothes for my brand new job straight out of college that we wanted to be so careful in how much we spent. Each year of marriage (it's almost been 5 1/2 now) we have added new things. We ended up getting cable with internet in a package. We even have a DVR now! :) We ended up buying a new car because before Eli was born I just refused to put my newborn in that car. Which now seems so ridiculous to me, but I really am so thankful that we were able to get a "new" car. We've bought new things for the house. We've painted rooms. I went to Europe! (with plenty of help from my parents, thanks mom and dad!) I started and completed my Masters, which we paid off as I was taking it. We've had a baby, with a c-section, and paid for that.
We look back on all the times God has provided endless amounts of support, both financially and emotionally, and it brings us to our knees. But for all the times that we have paid off things we bought or paid for them in cash, we still have the weight of debt looming over us.
Now I loved my college experience. I loved being at Hardin-Simmons and getting my degree from there. However, that school was dang expensive! And we still have to pay off those loans, which people to refer to as "good debt" all the time, but good debt and bad debt feel the same to us.
We have a credit card that we have had to use since I have been only working half time. Wes is an incredible money manager and it's a 0% interest card, but it's still debt. Romans 13:8 says, "Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law."
We have debt that is outstanding. We have to, and want to, pay it off.
So, Wes and I have developed a plan that is radical (to us) and will change a lot of things about where we work, where some of our time is spent, and refocuses us on the charge that we are given as Christians to do. Luke 16:13 says, "No servant can serve two masters. Either he will hate the one and love the other, or he be devoted to the one and despise the other. You cannot serve both God and Money." And although the context of that is different than where we our in our lives, we have felt that we have been a slave to money due to our debt. We have thought so many times, "ugh, if we didn't have this debt we could do this, give that, go here, help with that" and those are things we would not be saying, if we did not have debt.
Well my friends. We are changing that. It can't change right now, and we've prayed over that, cried over that, and mulled over that time and time again... even last night. But, it will change soon and we'll be going over our plan when we've finished it.
For now, I'm ordering this book that I'm a little scared to read! But I need all the encouragement I can get, and I hear that reading this will do the trick :)
Those of you who have debt, how are you dealing with your debt? (you obviously don't have to answer that by the way) Does it take a toll on you? Can you even imagine the freedom you would have without it?
Did anyone try the orange citrus chicken yet? It was delicious!
