I want to say one thing. I wish with all my heart that we had done this sooner, but I am thankful that, even though this is not always easy, Rodney and I are doing this now.
Our FPU journey is continuing. We have discovered things about ourselves that have been very enlightening. I found out that I am more of a grocery snob than I realized and I don’t like to spend cash, at all.
The biggest situation that has come up in the last few days has been about college. I am trying to finish my bachelor’s degree but because I work full-time I need to do it online. I was accepted at Liberty University, which is a private Christian school in Lynchburg, Virginia. I thought I would be getting more grant money but we just found out that instead we will have to do student loans for a portion of it, to the tune of about 10 thousand dollars a year, so approximately 30,000, in order for me to complete my degree. Yes, the odds of me getting a job that would markedly increase my income is good, but it is no guarantee.
Three months ago I would not have batted an eye about this. But we are working harder at our finances than anything else we have done since we got married. I do not want to undermine that by going 30,000 dollars in debt. I’m trying to decide what to do. It’s too late for me to go back to the community college and I didn’t put in for financial aid there, believing that I had it taken care of at Liberty. I could wait and go back to the community college in January and complete my associates degree but that’s delaying it even more and only if they have all the classes I need (not likely).
I’m debating on calling the Dave Ramsey show and asking his advice but I think I already know what he will say.
“Beans and rice, two or three jobs, and sell so much stuff the kid think she’s next, and pay for it as you go.”
It’s amazing when things change your heart so radically that you lose sleep thinking about going back into debt.
This is why I wish I had known this before. This is why we are pouring this over, around, and into DD as much as possible, so she will not have these issues. No debt. NONE. Her future husband will appreciate it and one day, when she is secure due to her financial peace, she will rise up and call us blessed (Proverbs 31:28).
This is where we are right now. Are we debt free, no, not yet. Do we have our money named and our budget organized, yes. YES. YES!!!!! We are getting there, one step at a time. One baby step at a time.