Archives for : July2017

What Debt Free Looks Like So Far

What Debt Free Looks Like So Far by Jamie Griffin. He runs the site MrJamieGriffin.com to help families struggling with student loan debt achieve financial freedom so that they can overcome any financial challenge, and create a new family legacy for themselves and future generations.

 

 

On May 27, my wife and I finally paid off our student loans! After about 4 years of crazy hard work, extra jobs, limited spending, we are free of student loan debt! It’s actually kind of a weird feeling. In a couple days we will finalize our monthly budget, and we don’t have a specific place for the extra money to go (at least not yet). Before, it was always about our student loans, so at the end of the month we made an extra lump sum payment to knock down our debt. But now, the world is our oyster! We can do anything we want with this extra money! That’s why we have to be careful, especially right now, not to be tempted to spend money irresponsibly.

 

Here is How We Are Handling Debt Freedom So Far

 

Step one of debt freedom was to scream and dance around our kitchen. In case you’re wondering, our happy dance was in full force and on point. Our dog even got pretty excited and started running around the house and jumped up on us. Next we went to Caribou for a celebratory coffee (with a BOGO 50% of course) and bought a nice bottle of red wine. That’s it so far, oh, and we have been grinning ear to ear pretty much nonstop. It’s really small and simple, but that’s how we’re used to celebrating. Our plan is to have a bigger celebration with friends in a few weeks, but like any big expense, we need time to figure out how it fits into the budget and how much we actually want to spend.

 

The Temptation is Real

 

In the first couple days of debt freedom, we are already feeling the temptation to spend money impulsively and more extravagantly than we normally do. We can buy more food, (I know exciting right), update our falling apart shoes, get new summer clothes, try a few new restaurants, and treat ourselves. We joke around saying, “Sure, we can buy that! We’re debt free!” While this is absolutely true, it is a dangerous trap to fall into. If we buy whatever we want and give into every impulse, it could severely mess up the disciplined spending habits we created over the last four years. It’s a slippery slope and a dangerous path into more debt.

 

Making a Plan to Beat Temptation

 

To avoid giving into all sorts of temptations, we decided to make a plan with our extra money. Priority number one: We are absolutely going to treat ourselves for paying off our debt! Once we have that taken care of, we need to re-allocate our budget so that every dollar is accounted for and has a home. We have a bunch of options, like savings, investing more, paying off our house, and having more fun money. As of right now though, we have no real idea of what we are going to do, but it’s on our to do list and I’ll share more once we figure it out.

 

Wrapping it Up

 

Our student loans are gone, and now we have to start pursuing our new financial goals. Wish us luck!

 

Let Me Know in the Comments

 

What are your biggest money temptations?

 

 

Nothing Bad Ever Happens to a Writer…

Nothing bad ever happens to a writer  . . . By Sharon Sheppard

Writers have a whole different (quirky) way of looking at the world:  “No matter how bad life gets,” we say, “it’s all material.”

But grist for the writer’s mill notwithstanding, I’ve had a nasty week.  What I thought was flu turned out to be an infected gallbladder, so I had emergency surgery to remove the offending organ.  Not fun.

Afterwards, the surgeon presented to my anxious son and daughter color photographs of the whole mess.  No, I’m not going to show and tell.  What I do want to say is this:  A precious Bible verse that I memorized years ago once again became incredibly meaningful:

“And we know that all that happens to us is working for our good, if we love God and are fitting into His plans.”  (Romans 8:28, Living Bible)

Sometimes I’m tempted to question God, and ask Why??? But I’ve come to discover that He has a purpose for everything in my life.  As with many other things, I may never know why God allowed this. (Maybe because I ate too many sweets and greasy foods.)

But here are a few good things that have come of it:

*God gave me peace before and after surgery so I knew that whatever happened would be okay.

*This event has slowed me down and given me a welcome time of respite.

*Unstructured time has allowed me room to think.

*I’m savoring some reading that I may never have gotten around to.

*Though I am relatively new to this area of the country, I’ve discovered that I have more friends here than I would have guessed.

*Through my son and daughter’s loving care for me, I have a whole new appreciation for family.

My nephew said that as soon as he heard of my condition, he and his wife stood right there in the parking lot of Caesar’s Pizza, joined hands, and approached the Throne of Grace on my behalf.

After days of gracious care from my busy daughter, who stayed nights with me, took care of food, medications, and a host of other details, I said to her, “You’ve been so wonderful!  I could never repay you for all you’ve done.”

She replied, “And I could never repay you…”

And when I say to God:  “I can never repay you for redeeming me, for taking care of me in good times and bad,” He says, “You’re welcome.  It’s my gift.”

Picnics, Celebrations, Fireworks!

Picnics, Celebrations, and Fireworks! This month definitely begs for an excuse to overindulge. For years I, Mary Zigan, lived for these opportunities. I am learning…

When wrapped up in ourselves, we are wholly consumed with our own needs, wants, and desires. Interestingly, though, instead of being filled, we find that our problems are intensified and just become more complicated. Our addiction is an act of self-absorption.

We now have the option to stop playing God with our lives and be open to His peace, serenity, and the joy of living one-day-at-a-time with our hand in His. The paradox is that by getting outside of ourselves and connecting with those around us, we are free to love and experience others at a whole new level. Previously, our addiction served as a barrier to true relationship, but now we are free to let go and let God!

 

Thoughts on Growth

Hi, it’s Mary’s grandson Brad back with thoughts from Alaska.

The other morning, my phone showed me a photo, reminding me that it had happened exactly five years ago on that day.  The picture was of my friend Aaron on the 4th of July.  We had both been living in South Korea for about six months, and for the holiday we had decided to hike to an observation deck on a mountain to see the fireworks being shot off on one of the US Army bases nearby.  The photo isn’t anything spectacular, but I realized when I saw it the other day that it marked the beginning of my exploration into photography.  I remember specifically researching techniques that I wanted to try, and they had ended up working.  I was very proud.

There are many people who know me from my pre-Korea days when I had no particular artistic inclination. What I never actually realized is that most “talents” people have, artistic or otherwise, are really skills that have been developed over time. The person who made me see this, and in turn is due credit for what is now a large part of who I am, is my friend Aaron. He recognized the tiniest spark of interest buried inside of me, an interest I myself would’ve squashed because of doubt, and he encouraged me. His encouragement was almost like permission for me to be interested in something that wasn’t a “talent” and sent me on the path I’m on today. Aaron and photography taught me that we aren’t confined by what we are today. We can continue to adapt, change, and become better and more whole people by deciding to take baby steps each and every day. Think about this the next time you put yourself or anybody else into a box because of what you perceive them to be, and good golly, encourage them. You never know how important it will be in their life.

Just for fun, here’s a more recent 4th of July photo, taken in Juneau, Alaska.