As a part of the Thankfulness Challenge, I am going to tell you about the Dave Ramsey adventure that we embarked on two + years ago. I agreed to go on this debt killing adventure kicking and screaming! No, really… I didn’t want to take his class offered at our church but I did out of respect for Hubs. (That is not his name, his name has been changed to protect the innocent! ) There is not much that he asks me to do for him and this was one thing that was important so even though I wanted to throw the 2 year old tantrum! Well, I think I did throw the tantrum but then I stepped up to the plate and did the adult thing. At the time we owed a bunch of $$$ from medical bills, car payment and some credit card bills. Our first step was to save the $1,000 emergency fund. Which of course, we needed within 10 days time. It seemed an unending dance with a horrible date of one step back two steps forward and then two steps back and one step forward and sometimes no steps at all. During that time we paid off the van, had an expensive rebuild on our septic system, replaced the roof on our house, extensive repairs to the heat and air system twice, and bought 2 cars since we had three drivers and one vehicle. We paid cash for each one of those repairs and had to rely on God to help us pay for them at all. I can’t explain it but when we needed cash it was there.

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That was two years ago. Last year, we had our debt down to one larger bill. The van and the credit cards payed off. The credit cards were cut up and thrown out, accounts closed. His work started missing paying us on time each and every paycheck. Sometimes it was only a couple of weeks before they payed us. One time it was three months. Our savings dwindled but because of Dave’s snowball plan we were sitting pretty good. Then came a time of about 6 months with no work. Hubs was self employed and working hard at finding more self employed work. Things were tight and the company he was working for closed completely.
He is working now and has been since Novermberish. I forget exactly when he started working the 9-5 job but it pays the bills, was in town, is interesting and has insurance + a regular paycheck. All things you look for when you are out of work. We would never have made it during that time without some help from family, Dave’s no debt plan and the emergency fund.
Here are some lessons we learned that we have implemented for us.

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1.If we are self employed again we will keep our emergency fund at 2,000 and the business account at 2,000+ as well, until we get all the debt payed off. Then we will save like crazy and increase that savings.
2. Always pay cash for cars and buy cheap cars for your kids, if you buy them a car at all.
3. Pay off the debt, it will set you free.
4. Keep your pantry/freezer stocked with food in case something happens and eat from them so that the food stays rotated.

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5. If someone in your house wants to do something (like do the Dave Ramsey plan) then do it out of respect to them, wholeheartedly. Face the facts; they are the $$ nerd and you are not. Their wisdom is greater than yours and the peace of mind of not having bills will be overwhelming.
6. God will provide for you if you are obeying him. Had we not gone on Dave’s plan then we would have been in a really, really bad place financially and the stress would have been much more.
7. “nevah, nevah, nevah, give up” in the words of Winston Churchill.

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In August of last year our oldest lost his job so we had what amounted to three unemployed adults living in our house with the three younger kids. I will brag on God a bit here: within a three week span of time we went from three unemployed to three employed as Hubs, oldest son and daughter both got jobs. I was even filling out job applications online and I have health issues so that wasn’t really going to work. Granted, the kids’ jobs are fast food, but they get the hours they want and the work environment is outstanding. We are again working at paying off the debt snowball. Oldest son is paying off his debt and building his own business. Oldest daughter is saving $$ and has her emergency fund saved and is working on money for a car sometime soon. Yay, all because I was respectful and followed Hubs direction on the Dave Ramsey class. Woohoo, God is great!
We are almost there, our strings are almost gone!

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