Debt Free Living for Five Years

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Five Years of Debt Free Living!

Wow…has it been 5 years since we yelled “debt free”…yes that included the house! We had achieved debt free living on one average income while raising 4 kids.
Well according to my TimeHop on Facebook…it allowed me to share my photo with Dave Ramsey taken February of 2011.
Debt Free Living
I can tell you that all those skipped meals out, no cable TV, budgeting groceries, and crazy financial sacrifices that we did to become debt free…pales in comparison to the peace I have today.

Let me take a moment and fill in some details of the last 5 years…and then you can grasp how amazing that peace becomes in the midst of trials.Five years ago my husband was the main breadwinner for our family, we had chosen to live off one income so I could be home with our children. I did occasionally pick up small part time jobs to supplement the kids schooling and activities.

Then a year later my husband spent 2 weeks out of work for pneumonia. After his recovering, he noticed his lungs would hurt, like breathing a huge breath of campfire smoke. After a few months when that didn’t clear up we scheduled a visit with a pulmonologist.

After a few tests he was diagnosed with COPD. He was prescribed inhalers to help slow down the progression. With the increase in medical I began working more steadily.

His health continued to decline in the form of a tired body and often sick with respiratory issues. Eventually he went for a sleep study and because his oxygen was low at night he was put on a C-PAP machine.

Things continued to decline but now the symptoms looked more like dementia. Someday I will write about when my husband went to church and told our pastor I was divorcing him…not because things were tense but because he knew something was wrong and how could I love him if he lost his mind.

It seems the lack of oxygen mimics mild dementia. I fought for a doctor to help because at first I thought maybe it was dementia…but 3 months ago we discovered his oxygen levels were in the 70s when he slept. Now he is on oxygen and things have become stable for his health.

Let me fill in a few details of the last 5 months. My husband needed rotator cuff surgery and spent the last 4 months out of work, while he was recovering he was placed on oxygen, and our septic system failed…and I found myself with a decreased income, rising medical, and needing a new septic system.

I know these few 100 words can’t begin to express the depth of my anguish…but I remembered telling a dear friend…I feel like each of these situations is like cuts on my body and I fear I am going to bleed to death.

But in the midst of this…I didn’t have to worry about a mortgage, car payment or credit card debt….can you feel the importance of that peace?

I know it’s hard in the current moments to give up comfort things, especially when you feel you deserve them after a long week of working hard…but I am so thankful we did.

While we don’t have fancy vacation memories, better cars, or bigger investment portfolio…I have more energy to care for my husband without the stress of paying off debt.

 

This post may contain AFFILIATE LINKS. Clicking through these links help to support the costs involved in running this blog and sometimes can help with other expenses. You can find my full disclosure under the DISCLOSURE TAB. Thanks!

Comments

  1. Ticia says:

    Being debt free really is an incredibly freeing experience.

    • Stacey Lane says:

      Thanks Ticia! Such an emotional ride…I always doubt myself when I share.

  2. September says:

    Congratulations, Stacey! It is an incredible peace. We will celebrate two years debt-free this Sunday. It was not always pleasant paying down our mortgage and foregoing other things, but I am so glad my husband had the conviction to do so. I know now that God brought us to this place of being debt-free just in time for some major changes in our lives as well: children in college, reduction in hours at my husband’s work, and health challenges also. It is hard work to become debt-free, but it is definitely worth it. Praying that God will bless you and your family and provide for all your needs in His faithfulness.

    • Stacey Lane says:

      Yeah!Such an amazing journey.

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