By Jason Nabb

Well, last week we finally paid off our last credit card!  Hallelujah!  It was so great to hit “Pay Now” on the last payment.  I was at work one morning and looking over things, and I realized that if I just move this money here and squeeze a bit more out of the budget, we could knock out our last payment.

I’m not bragging.  I’m writing this more to encourage me as I just had a meeting with my health insurance guy.  It’s hard to see that bill climb an extra $100/month.  I’m hoping to encourage myself and you with this victory over debt.  We still have some school loans to work on and some medical bills, but with this payment, we are consumer debt free!  It’s hard to lose sight of the goal when you’re in the trenches counting your dollars and trying to get ahead.

If you haven’t considered your financial situation, your debt and how you honor God with your money…you should.  Dave Ramsey is a great resource.  If you feel like you’re in over your head, start small.  Line up your debts and pay the smallest one off first.  That way you’re encouraged to continue.  Roll over the money you were spending on that debt into the next one, and so on.  Stick with it!  Dave says “You need a plan…Visa has a plan.  That’s why they have your money!  I’m a big fan of Dave Ramsey and can tell you, when we’ve stuck to the plan, it’s worked!

We’re reducing our household stuff, selling off unnecessary items and things like that.  It’s tight…it’s been tight for awhile, but we’re getting there.  We’re getting ready for a garage sale.  It’s good for the kids, I think, to see us simplify our lives and put material things in their place.  ”It’s just stuff,” I tell them.  We dine heartily on beans and rice regularly and try to, as Dave says, “Live like no one else, so you can live like no one else.”

I have to say, though.  Sometimes, it feels like we’re not getting anywhere.  There’s times when we get a bit ahead (like right now) and then BLAM!  We’re hit with some expense that knocks you’re feet right out from under you.  It can be really frustrating.  We are very thankful that we can chip away at our debt and we are praying for guidance always.  I found a great article focusing on five verses in the bible about money.  It’s a blog article on, what I think, is a pretty good site.  It’s called Christian Personal Finance.