
The van is now ours, we paid it off on Friday! It's so awesome to say that we own something out right that's such a big purchase item. We would have paid if off in February, so we are 4 months early.
We've been on Dave Ramsey's Financial Peace University since the middle of August. Our focus right now is Baby Step 2 - paying off debts. We paid off a few small things in the prior months and that was nice. But dropping a car payment - that is an awesome feeling! Makes you want to dance in the street!
Now to keep rolling that snowball and knock out the student loans and truck payment. We do not want to be paying student loans and putting a kid into college. So, we've got our eye on the prize, which is to be debt free by December 2012. Oh yeah, I know that sounds far away, but in all honesty, we've lived the last 9 years in debt (and doing it all wrong), what's 2 more to know that we'll be done forever?
What else excites me is that I keep bumping into others that have been doing FPU and some are on the same step as us, and others have way surpassed and completed more steps. In all cases, every one of them has been excited to talk about all the cool things they've done and learned while participating in FPU. In fact, I ran across a craft blog the other day, a family of 7 that is being frugal and doing FPU, they paid off their SUV a few weeks ago. She was, like us, so excited to get rid of that payment. It's a blessing for sure.
We've been so blessed already and are so excited that we will be prompting FPU to all of our church starting next month. Not only will the members get a chance to participate and change their own lives, the church itself is utilizing the concepts to become debt free.
What kind of changes would you make to your world if you didn't owe anyone (Sally Mae, a credit card company, etc.) any money? We've talked about things we'd like to do, and people we'd like to help. And we've done stuff on a small scale for now, but we'd love to do things on a bigger scale.
As Dave says, you can live like NO one else now, so you can LIVE like no one else later.