We are SO CLOSE to being debt-free, and looking forward to finally doing that long awaited debt-free scream. We thought we would be completely debt-free in 2016 but then a couple of Murphy’s law emergencies happened and we ended up with some hospital bills and other accounts we didn’t expect, you know – such is life!

So for now, if you found this blog by accident and you are really struggling with debt, start listening to Dave Ramsey’s podcast and get his book if you can. His Southern style isn’t everybody’s cup of tea but his 7 baby steps plan is solid. Financial Peace University has transformed our lives and helped us to get out of a debt we didn’t think we would ever get out of.

Be encouraged, it is possible to get out of debt. (Without going bankrupt or going under debt management.)