Tuesday, May 05, 2009

Free!

Well, I guess I haven't blogged in a few weeks! We have been quite busy with all the packing and everything. We won't find out about Brandon's test for a few months, but at least it is over with and he at least had an answer for every question! He really has no clue how he did. He thought the morning session was pretty easy, but the afternoon really hard. So we just wait and see!

In other exciting news, we just made our final payment to our last credit card!!! I blogged way back in Nov. of 2007 about paying off our car and how that was our first step towards becoming "debt" free. Our goal was to be done by spring of 2009 and here we are and we did it!! It just amazes me that we actually pulled it off. I give all thanks to God and his provision. So the only "debt" we have now is our mortgage and student loans. It would be nice to not have a mortgage, but that is pretty unrealistic for our family right now. And I consider that to be more of an investment than debt. And our student loans only have a interest rate of 1%, so I don't feel burdened by them. If you consider the rate of inflation, PHEAA won't be making any money off of us even if we just continue to make monthly payments. So I feel good about that for now. Anyways, it is so incredibly freeing to not have credit card or vehicle payments. I feel like they were such a waste of money and it made me sick how much we had to pay towards them each month. But now we are free! And we are excited that we can now tithe the way we want to and also afford to move into a better home for our family, plus put some money into savings and pay for Brandon's grad school. We are hoping to save enough so that by the time we need another vehicle, we can pay for it with cash or at least most of it. And hopefully we have learned our lesson and will be able to stay debt free!

In other news, Abby can now also roll from back to front! She is also getting close to being able to sit on her own. She can pretty much do it, but she still needs a spot b/c she will all of a sudden lunge herself forward or backwards! I know the week we move is when she will figure out how to roll across the room!

Here she is rolling over! (Sammi put the Super Star sticker on her butt!)

"I made it to my tummy...


Now to get that arm out!


phew, that was tiring work!


But I'm so proud for doing it!"


4 comments:

ky said...

that is great that you are basically debt free! i agree that you can't really get around the mortgage. you guys are doing great! :)

wow, Abby is really on the move and getting so big! she is such a cute little roller. and she wears the butt sticker well. :)

Mama Kat said...

YAY! congrats on being credit card debt free! what a great feeling! dave ramsey would be so proud of you...and i am too :)

Bonnie said...

Thanks guys! We feel great about it! :) Dave Ramsey is such a smart guy!

Suzie said...

I love the Abby-in-action montage. : ) Congrats on paying off that credit card, and keep up the good work!