Debt Free

I was paying for something when the cashier got real excited and said she was just starting that class.  In line at a grocery store I struck up a conversation with the lady in front of me saying I had also taken that class.

What class?

Dave Ramsey‘s class.

What was it that let us know that we had or were taking the class?

This brown wallet for the all cash system.

We were in debt due to classes we had taken.  Originally the plan was they would all be paid off by next spring.  In Dave Ramsey’s class he talked about using gazelle intensity to pay debt off.  I did not really get it until one day when I messing around with numbers and realized we could pay it off sooner if we got creative.  Now I understood what gazelle intensity meant … once that last payment month grew closer and closer I tried harder and harder to find money in different areas with which to add to the balance.

We are super excited to say that this month was our last payment.  We are now debt free!

Now to get our house ready and put it back on the market 🙂

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Finally

It’s out of the house!  I have taken it to the consignment sale or given it away.  There is more for the winter sale, but this is the majority of the kids stuff I wanted to have out of the house.  *sigh of relief* … now on to the next declutter project!

I’m so thrilled because if everything goes right (praying it does!) we’ll be debt free by July and have our house on the market again.  Until then, lots of decluttering to do to get our house in ship-shape.

Taking a new turn

This blog is going to take a different turn.  It will become more of a mom blog.   I was inspired by two other mom blogs.

One is http://www.ernieandmichelle.blogspot.com/ when last year she had project 365P – to take a picture every day.  That will be my goal too, and post it to show daily life in the Wilson household.

Second is http://floakes.blogspot.com/2012/01/beauty-and-mess.html where she posted about how life isn’t perfect.  That is my second goal, to not be afraid to show the imperfect side of life (especially with children).

Since it’ll be a look at our daily lives I’ll still include what I do in my minimalist and financial freedom ventures.  I wish I had taken a picture of the boxes of clothes and toys that were removed from this house.  They merely got a new home in the garage for the time being, but they are not covering the floor while the littles throw screaming fits over cleaning them up.

Update:  newest addition to our family.  Lil’ G

Only the best in vitamins for children. http://www.iamasponge.com/Children_s_Vitamins

Back to square one

This blog is also about our journey to financial freedom.  Posts on this topic are few because we mostly felt like we were going in circles.  Every time we started to move forward something would happen and send us back to square one.  Not enough money.  Having financial investors pull out.   Sellers not willing to negotiate on their overpriced business.

Once again we have been sent back to square one.  Then we were given the opportunity to take Financial Peace University (Dave Ramsey).   We are now half way through the course and loving it.  As frustrating as it was for us to not move forward like we wanted in our journey so far, we see that God has bigger plans.  He is watching out for us and I’m so thankful for that.  I am excited to see what adventures are in store for us.

Buying a business or mobile home park has been put on the back burner for at least a full year.  I mentioned a while ago that we had network marketing business already.  We are going to pursue that at this time while we move through Ramsey’s “baby steps”.

KISS – Keep it simple silly.  Not just with every day life and  possessions but with finances too.

Thought provoking thoughts

1.  I was delighted to find out that the church my in-laws go to (I also used to go there too, it is where I met my hubby) was doing a Sunday School series on simplifying your life.  I went this past Sunday to see what it would be like.  Like myself, others were tired of the all the junk in their lives and wondered why they had it, so they decluttered.  Two couples had down-sized their houses and are finding contentment in their new home.

The pastor talked about two things that I wanted to share.  First, he reminded us about King Solomon.  Solomon had tasted from the smorgasborg of all life had to offer.  In the end he said it was all meaningless.   MeaninglessSecond, we read Colossians 3:1-6.  Verse 2 says “set your mind on things above, not on earthly things” and verse 5 says “Put to death, therefore, whatever belongs to your earthly nature: … greed, which is idolatry”. Idolatry!  Good reminders when thinking about why I have the things I do, why am I keeping it, and why do I want to bring something new into the house.  Of course, I’m not saying you can’t ever buy anything, but we need to make sure our hearts are in the right place.

2.  This weekend I carried six boxes label “kitchen” from the garage to the kitchen.  I went through it all, plus my cupboards, and decluttered.  I had been thinking that I had no idea what was in those boxes anymore and if I was doing just fine without them why was I cluttering up the garage with them?  By the end of  day I had kept those things that I really wanted to use, one box went out to the curb as free, only one box went back to the garage, and the rest of listed for sale.  It’s been a couple days I’m tired of those sale boxes sitting in my kitchen.  I had the freely realization that I could care less now if those boxes sold, I just want it gone!  The peace of having a clutter-free home surpasses getting a few bucks.

3.  I’m finding contentment in our home.  For several reasons we put our house up for sale in August.  I was looking forward to getting a bigger house.  After decluttering and making the commitment for a simpler life I have been surprised that I’m happy in THIS house.  Our house is still for sale, but we now have a “let’s see” attitude because we know we’ll survive in this home.  It has made me re-evaluate the kind of home I want to move into as well.  How big is big enough?  A big house means more to clean after all!

4.  I just finished reading Joshua Becker’s ebook “Simplify”.  If you haven’t read it, I highly recommend it.  He is very practical, down-to-earth, reasonable …!  There are step-by-step guides to help anyone start and continue the process of decluttering their lives.  This is one of his quotes “You don’t need to chase everything you’ve always wanted if you already have everything you need.”

The more we pursue simplicity and financial freedom, the more I see how they go hand in hand.  Financial freedom is easier to attain if you have a simple life, thus leaving more money for causes that are close to our heart.

Take time to stop and the smell the flowers!

Play, laugh, and enjoy life!