Our Debt Journey | Day 1

Again.  Day 1 again.  This isn’t the first time we’ve decided to really, really work on this.  But we keep trying, one decision at a time.

Earlier this month Chad and I had a “come to Jesus” budget talk.  Here’s where it currently stands: we have…a decent amount of car and credit card debt.  I am certainly not proud of this, and I don’t want to write about it, but here’s why I have to.
1. I’m scared. But God has not given us a spirit of fear.
2. I’m ashamed and want to keep this hidden. We are not meant to live in darkness.

I keep telling myself that if I hide it, if I don’t talk about it, if I act like it’s not an issue, then it isn’t really.  Dumb, right?

So our talk.  My version is that we talked, we looked at numbers, Chad suggested canceling Christmas, I cried, we came to an agreement.

We have a plan, we made a promise.  We will not add to our debt.  We will meet every Saturday morning (it’s even on the calendar) and see how we’re doing.  We will be disciplined.  We will choose what is right, what is God-honoring, what is best for our family.  We will not keep it in the dark, from ourselves or each other.  We will pay bills together and make decisions together.

My goal is to keep this updated on the blog.  Not so much because you are waiting on pins and needles, but maybe we can be an encouragement to someone else.  Also because I have to be accountable and I have to stay in the light.  It’s warmer there, and there is freedom to be found.