Oh Crap! – Musings of an Unperfect Mommy

The Fight is Over – We are Out of Debt!!

July 1, 2011

This is really emotional for me because the struggle just to survive for the last 4 years has been incredible. But today, the last payment to the last collection agency rolled through and we are out of debt!! (With the exception of the mortgage)

I started the debt repayment in January of 2010 and did a debt snowball program that I put together. I knew it was going to be hard and we had to put every spare dollar we could into the repayment plan so we could get out. I called all the collectors and made arrangements with them. Two ended up being really nasty, the other was actually fair. Prior to repayment it was a no win situation with trying to make payments to make the creditors happy and never ending up with money to have what we needed.

In August of 2009 I counted the phone rang 30 times in one day and I never took any calls because of the fear it would one of them. Once I made payment arrangements the calls ceased as if by magic. Except for the two nasty ones. One creditor called every month to see if I could make larger payments. After two months of that, I decided to stop taking their calls. The other nasty one called one time to harrass me and I told ’em off and stopped taking their calls too. I only corresponded by mail and kept every last bit of mail they sent. They even stopped sending statements a couple of times. After the last bad call, I surrendered it all to the Lord and He had my back in the situation. Every time I worried I surrendered it again and again.

Last November we hit a really low point and I was wondering if I could continue. I almost caved in – I almost blew it all to bits. I knew it would be foolish though because we were getting so close. I just had to suck it up just a little longer.

Today we are free – free of what had become a real debtor’s prison. Free of not having enough food to eat on payday while waiting for the paycheck to hit the bank. Free of not being able to afford necessities that my family needed.

I have a bottle of Proseco – sparkling white wine – just for the occasion and I am having a glass or two tonight to celebrate our hard work.

Deo Gratias!! Free at last!!

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June Progress Report

Okay, let’s start with the positives – book reading! Here are the books I am currently going through:

1. “Happiness Project” – I’m up to July now.

2. “Keeping House” – I’m on the last few chapters

3. “Please Don’t Drink The Holy Water” and “Bless Me Father For I Have Kids” – I’m reading a “chapter” here and there as I have time. These are SO funny and that is something I really need after a long hard day in the mommy mines.

4. “Chosen and Cherished” – Trying to read a chapter a day so I can go on to the next two books. After the first reading, I can go through and do more detailed study if I want.

Okay, now for the “negatives” if you will. I’m off my groove. I got thrown off in May and I’m still struggling to get back in. I need to make definite goals for each week and try my best to stick with them. I also need to tackle just one thing at a time – but I think I’ve said that before. Trying to do too many new things at once is often times more than I can handle so it’s best for me to just try to change one habit.

Now with that said, there are some great things going on right now. We’re unofficially out of debt – just waiting for that last payment to roll through (there will be an entire post dedicated to this when it happens). I have a special friend coming to visit me this month and I cannot wait to meet her! More on that later too. Birthday shopping this month for Steve and that means a day out with Joe for that. He also wants a frappuccino so we’ll cover that too. What’s a day of shopping without going to Starbucks? We also are going to have a big “out of debt” party at a local place because we haven’t all eaten out in literally years. And, oh yeah, school supply shopping will be starting in July as well – can’t you see the glazed over look in my eyes??

So, it’s not all bad, I just need to make concrete goals and just try really hard to keep up. I need to be around for at least 10 more years to see my kids get out of the house and I’m not looking forward to this whole “change” thing either that women have to go through. Oh well…gotta roll with the changes right?

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The Fight is Over – We are Out of Debt!!

July 1, 2011

June Progress Report

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