Hi, my dude!
I’m SO excited to be sharing another debt free update with you. 🎊
(If you missed my OG post about our story + why my husband and I decided to say NO MORE to debt and to get this thing out of our lives, you can catch up on that here.)
Sam and I have been busting our butts to hit our smaller goal of paying off $10,000 of credit card debt as quickly as possible.
Last year, we moved in with family because I had lost my job and I wasn’t sure how we were going to put food on the table, let alone pay the bills. We moved to Orlando, FL and thankfully I found a job during the move and Sam found one shortly after.
Even though we could afford to live and be on our own again, we both felt like it made more sense to wait to move to get our heads above water and get this credit card debt out of our lives for good.
We had projected that we’d have it all paid off by May of 2020 and be ready to move in June.
Then March 2020 happened.
i.e. A global pandemic strikes.
What a weird time to be alive. Definitely crazy news to receive — that there’s an illness going around that’s highly contagious, no one knows how to treat it, everyone needs to separate and self-quarantine, and we don’t know how long this is going to last.
It was difficult news for all of us to receive — but especially for those of us that struggle with our mental health.
It was difficult for me to accept.
That this was the way things were and there was no end date in sight. And to top it off — having to self-quarantine in a space that was not my own for an indefinite amount of time triggered something in me.
I’m not sure what it was or why it happened… but the combination of all of this hit me hard.
My anxiety was through the roof… not because I thought I was going to get COVID, but for reasons I still can’t fully explain (and need to go back to therapy for). I couldn’t sleep or eat well. I just felt miserable — not like myself. Downright depressed the first few weeks everything started and I wasn’t getting better with time.
After lots of conversation, Sam and I both decided the best thing to do for us was to move.
At the end of the day, it doesn’t matter how amazing your relationship is with your family or friends is… being married + moving in with someone else is difficult (as well as bringing someone into your home).
There’s a reason the Bible tells us a man and woman need to leave their parents and they become ONE. (Genesis 2:24)
If you’re on a debt free journey and are thinking about moving in with family/friends or having someone move in with you to help out with rent, I’d strongly encourage you to really seek wisdom — pray, spend time in God’s word, have a lot of conversations with your spouse, and pray some more.
It’s more important to me to have a space where I can have a strong marriage (living with other people doesn’t necessarily create a space for physical or emotional intimacy) and that I can relax in than me paying off debt a little faster.
It’s a personal choice that’s up to each couple.
I’m so happy with our special time we did get to spend with family that we’ll probably never get again, but I also haven’t regretted the decision to leave earlier than we planned to at all. Life happens sometimes and you just have to roll with the punches. 😉
Since then, we’ve made quite a few dents on our credit card bills!
We’ve completely paid off our second credit card.
That was a HUGE win for us in the midst of all the hard stuff I was going through.
And we now have a grand total of $2,115.17 left to pay off.
Our plan is throw everything we’ve got at this amount and try to pay off ALL of our credit cards next month!
I’m SO stoked + I know it’ll feel so dang good to finally get this under our belts so we can get ahead and start getting rid of other payments.
We’ve also made the decision to skip ahead to Baby Step 3 after we pay off Sam’s car. We just want to eliminate any possibility of going back into debt by growing our savings. It just seems like the smart thing to do.
I can’t to share our debt update next month!
I’m hoping it’ll be a fun one.
Let me know in the comments if there’s any way I can serve you or if there’s any content I can create around personal finance, debt payoff, budgeting, etc. I truly believe when we get our finances in order, it’s one of the ways we can create magic + even peace in our lives. Peace to pay our bills, put food on the table, and do the things we’ve always wanted to do.
Have a magical day, friend!