Debt is Dumb: Why We Are Getting Rid Of It, And Why You Should Too

When people find out we are working towards getting out of debt we generally get one of two reactions:

The first group of people think it’s really neat, but then explain to us the 5,975 ways they would never be able to do it.

The second group of people just blatantly tell us how ridiculous that is, car notes are just a way of life-you know?

Of course there is a small group of people who cheer us on; who have gotten out of debt already, or are currently on this journey as well. Those people are the ones that keep me encouraged and going as we begin what I know is going to be a hard time. “Living like no one else,” Dave Ramsey calls it, “so that later you can live and give like no one else”

By far the question we get asked the most frequently is simply, why? Why get out of debt? Why say no to everything? Why live on such a tight budget for so long just to say you’re debt free? I’ve thought long and hard about the answer to the infamous ‘why’; and have come up with not one, but several reasons. Reasons why we are getting out of debt, and why you should too.

I want to build experiences for my children without the burden of debt on our shoulders. I want them to tour Europe, to see the Northern Lights, to surf in Australia. I have so many dreams that I want my children to experience, and I want to experience with them. These things are expensive in and of themselves, but they are unimaginable when you have the burden of debt on your shoulders.

I want to be able to give. I want to sponsor a refugee child, to pay an entire months bills for my church without batting an eye. I want to set up a foundation to help families like ours get to Colorado to access medical cannabis for their loved ones. These are just a few, there are so many ways I want to give back to this world. But I can’t do that when I feel like the money I’m making isn’t really mine yet, it belongs to all the people and business’ I have borrowed from. I have to pay them back before I feel comfortable calling my money my own, and then giving it away to people who need it more.

I want to retire. I want to retire, and I want to retire comfortably. I don’t want my husband and I to have to work until the day we die (unless we are doing something we love, then we might want to keep working). I don’t want to rely on the government’s meager social security pay out to live on, or worry that I will have to go in a Medicaid funded nursing home when it’s needed. I want us to be able to live comfortably, on our own money, until the day we die. Without being a burden on our children, the government, or our community.

I want to leave a legacy for my children. I mean this in two ways. I, of course, want to leave a financial legacy for my children. To help them buy their first house, send their children to college, or just have money sitting in the bank. But I also want to teach them financial responsibility. I want them to know how to say no to things they cannot afford, to know the importance of telling every dollar where to go before you spend a penny, and to never fall into debt themselves. Money is a big responsibility, and I feel it is our place to teach our children how to handle it.

So there you have it, my reasons for getting out of debt. And for the record, yes when we say debt free we mean no car payment, no mortgage, no student loans. No money owed to anyone but ourselves.

The road ahead is both daunting and exciting. But we’re ready, are you?

What’s the Point

Full disclosure: These are neither my legs, or my dog. I do have a dog though…and legs.

I owe y’all an apology.

You see, normally when you come to a blog you know right away why you are there. What the blogger’s purpose is. Why they do what they do. I have failed to give you that information. My purpose. My point.

Everything up to now has been a jumbled mess of this and that, and for that I am so sorry.

So…why do I blog? Well over the last couple weeks I have been taking some time to ponder that question. What am I passionate about? What makes me tick? And I have come up with three answers for you.

Green Living

I have a passion for sustainable green living and making as little impact on the planet as possible. I don’t know if we will ever be able to go zero waste (although I’d love to), but I would like to minimize our waste as much as I can. Think one garbage bag a month or less for my family of five. Those are my longterm goals of course, and it will take us awhile to get there, but that’s what I am moving towards.

Debt Free Living

If you follow my YouTube channel you know that we were previously on a journey to get out of debt. Well over the last year that has been put on a major hold thanks to many things, but mostly Austen’s medical condition and the many life changes we have made to accommodate it. Starting this month we are back on the debt free bandwagon though, and we’re hoping you will tag along with us.

Family

I consider myself a lot of things. A writer, a friend, a coffee lover, and Harry Potter fanatic. But above all that-I’m a mom. My kids are very much my life, and 99% of what I do revolves around them. So just as much as I will be sharing our green lifestyle and our debt free journey, I will also be talking about my kids. I’ll talk about Austen’s cannabis journey, Addi’s diving, and Atlas’ antics. I’ll talk about the things we are doing to raise them to be the kind, hard working, compassionate people we hope they will be. Basically anything and everything kids is within reach here, if I am being honest.

So there it is, that is why I blog. I promise to try my hardest to keep my posts to these three topics. Although we all know a political post might slip in a time or two, but I will try to keep it at a minimum.

I look forward to sharing with you.

New Beginnings

I woke up this morning to snow. The weather man told me yesterday that snow was not the forecast, but the dainty white balls of fluff have been falling continuously outside my window. I do not mind though, snow is clean, it is refreshing, it’s pure. Snow has a way of washing away all that is dirty outside my door and making it new again. Today I need new.

I have suffered with anxiety and depression since I was in high school, but for awhile there I thought I had it under control. My anxiety attacks became fewer and farther between, and when I did have one it wouldn’t take an ativan to make it go away. But over the last year and a half that has not been the case.

Depression has a way of coming in waves. For a long time those waves were small, and I could easily jump over then without my head fulling submerging into their depths. Lately the waves have been coming bigger and bigger though, I can no longer jump over them, they make me feel like I can’t breath.

Maybe my depression is situational, it’s been a hell of a two years after all. Maybe it’s not. What i know is that I cannot handle it on my own anymore. I want to feel better, to be a better mom, a better wife, a better friend. Right now, I can’t do any of those things in the way I want to or need to. I have no energy to clean, to play with my kids, to enjoy moments with my husband. I am on the verge of crying 98% of the time. This is not normal, this is not sustainable. I’m officially waiving the white flag, I’m surrendering, I’m starting therapy.

It’s a big step for me, my one and only therapy experience in the past was less than helpful, and probably actually a tad bit unethical. But I know I cannot to do this on my own anymore, so I have to call in the big guns. I do not want to go on medication, the thought of it makes me cringe, but honestly at this point I’d have a lobotomy if they recommended it. I just want to be me again.

So with all that said I apologize for the lack of posts over the last week. I know I do not owe anyone an explanation, but at the same time I feel like I do. I also feel an tug to be fully 100% honest in this blog. I want to be transparent. And I do not want to ever lead anyone to think that I am a perfect Pinterest post of a mom. I’m real, I struggle a lot, but I also do what I have to keep going.

So here’s to admitting my flaws, to picking myself back up, and knowing when I alone cannot fix the problem. Here’s to new beginnings.