Debt

There is an annoyance, a disease, a plague that has been in my life, the lives of my friends and family, my nation and our world. It name is Debt. It is amazing where you place your mind and heart, stuff follows. For example, if you are focused on things and want things, you will spend your time and money getting those things.

We "had" to have a 2005 Toyota 4-Runner a few years ago, so a cool thing happened and we got it. The nice people at the Toyota dealership were kind enough to let us finance for 6 years so we could make our monthly payment of $515 a month. Wasn't that sweet of them? So we got it and we were happy. We had always wanted a 4-Runner and finally had one. A weird thing happened though. A few months after owning it, we thought it was weird that our rent was $500 a month and our car payment was $515. The 4-runner was not that cool anymore.

Well along with the 4-runner we had credit cards, baby bills, eating out (ouch!) and more and more debt. Our goal was on stuff, so we got stuff... cool stuff at that.

We introduced our credit cards to a friend named Mr. Scissors. Mr. Scissors and our credit cards entered into a one round battle where Mr. Scissors came out the victor.

Faith and I have lived pretty tight for the last few years because of the mess we got ourselves into. Next month we will have all of our debt besides our House, van and school gone. We hope to get rid of the van and school debt over the next 2 years leaving us with just a house payment.

I encourage you if you have sucked at money or have blown it and find yourself in debt, take action and get rid of it. Go ahead and cut up some credit card and sell your car if you have to. We lost $4,000 in the deal with the 4-runner, but a few years later, with our choices and sacrifices, all of that is now gone. I turn 28 this year and hope to be debt free besides my home by the time I am 30. Make a goal, set it and do it. Do not let money and stuff rule your life. Think about it, what is life really about? Not money and stuff. Honor God and kill your debt.