I'm a simple girl in a complex world.

Oh to be FREE!

Money can enslave people, rich or poor. Like most women, money to me is a form of security. I've gotten to the place where I don't depend on it to do things only God can do. I have learned with God's help that the money I have is God's and I need to honor Him with everything He gives me, including money.

I've been credit card debt free for almost two years now and let me tell you something, it's a wonderful feeling. I still have what they call "good debt" - The house and student loan. We paid cash for the wedding (I'll do a post on how we pulled off a 400+ people wedding for about $8,000 some day). However, in the meantime I wanted to give some information that I've learned from friends and just researching regarding debt.

I know three people who are currently using the debt consolidation method and they swear by it. If you truly can't afford to pay off all your debt like I did, then that is the best option. Depending on how much debt you have it can take anywhere from one to five years to complete the program.

If you don't already know this, I suggest you check out this website to find out how the new laws that will be in effect 2/2/10 will affect you and your credit card debt. http://finance.yahoo.com/banking-budgeting/article/108854/the-new-credit-card-rules-what-to-expect?mod=bb-creditcards

I would suggest Dave Ramsey (www.daveramsey.com) for anyone who just doesn't know where to start. We took his 10 weeks course and learned so much about money and how to "live like no one else today, so you can live like no one else tomorrow".

In our family, the Mr. brought in some debt and we are working very hard to get him debt free as well so our family can officially be FREE of financial burdens.

Although it's difficult but we are cash paying family. I understand that no everyone can do this, but we really believe in it. If I don't have the cash to pay for it at the time of purchase, then I don't buy it. We still have credit cards and use them but each month they are paid in full.

I'm not a financial advisor but I'm pretty good with making and managing budgets, if you need any help or encouragement, please let me know and I'll be more that happy to help!

Happy Freedom!


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