So where does that put our loan payoff movement, the one that we started less than a week ago? Right on schedule thanks to the savings we stashed for inevitable circumstances like this one! I'll rebuild our lost savings with extra earnings here and there, and if our balance falls below our comfort level, we'll pause our extra debt payments and focus on nursing the account.
It feels great to feel in charge of our income. I know that it'll take us three years to pay everything, assuming no job loss or tragedy strikes our family. But that's not as terrifying as it used to be, not as overwhelming. I know we're getting ready for something more, a life that God intended us to live. We've purchased college degrees and vehicles on credit, learned first hand why Jesus taught against borrowing money, and now we're finally going to live with financial responsibility. God didn't intend for us to live the three years of financial headache ahead of us; we created that mess. A necessary, self-inflicted life of living paycheck to paycheck is no one's fault but our own. It's strangely empowering to acknowledge that failure; it comes with an awareness that we can control our finances.
If you haven't invested a few minutes into this website, you really should. Mr. Ramsey operates largely on common sense and it's very likely you're already familiar with his financial theory. His conservative, Christian views of financial planning have earned my respect and attention in the last year or so. And for all you Missourians, he'll be visiting Kansas City in two weeks. My husband's busy then, but I'm really considering making the drive and bribing my sis and brother-in-law (hint, hint) into watching my kiddos.