Renewed Sense of Purpose

It’s been ten years since I first took Dave Ramsey’s Financial Peace University. For the first time, I felt like I knew how to handle budgeting (I used to think it was inhibiting, when it’s actually incredibly freeing) and how to tackle debt. I met Brennan a few months later and eventually taught him what I had learned.

When we got married, we both brought debt (student loan and other debt) into the marriage. Our total amount of debt was $106,929.39. Staggering. Crippling debt. But, we followed Dave’s plan (with a few detours) and committed to knocking that out as quickly as possible.

We bought our first home six years ago because we saw the profit potential and knew it would be a way to become debt-free even faster. And it worked.

In our first six years of marriage we paid off $85,000 and were down to only my student loan. But then we became lazy and, when tempted to take out a large construction loan to remodel our new home, we gave in impulsively to have the instant gratification. While not in debt to the extent we were when we first got married, it’s debt, regardless, and it has been difficult mentally to get over our mistake.

Our new church announced that they were offering the class beginning in January, so we decided that it was time to take it together and get back on track. We have continuously budgeted our entire marriage but it’s time to start the “debt snowball” once more.

Now that we have children in our home again, we’ve realized that THEY are our motivation and purpose. We never want to have to tell them they can’t participate in something because we don’t have the money if debt is the reason. 

Our goal is to be debt-free by the time they turn five. That is fifty months from now.

We have a plan. We’ve tightened up our budget as much as possible – which led us to realize that we surprisingly don’t have a spending problem, but rather an income problem (in terms of having extra to be aggressive with debt payoff). We weren’t sure what to do, but we prayed for opportunities to earn extra money that could be applied directly to our debt.

And, as always, God is faithful to His children.

I was presented with the opportunity for a new part-time job that will not only bring in some extra income but also help us cut our food budget and simplify meal planning (and give me a much-needed break a couple of nights each week).

And then, on Friday, I was offered a promotion at my other part-time job that not only pays more but it’s a lot more responsibility (being the manager on duty – MOD). Not only was this an answer to my prayer, but I was an answer to their “prayers” because it’s only 1-2 weekend days a month and they didn’t know how they would find someone willing to work so few hours. Then they remembered me, my qualifications, and how I’m currently only working there 1-2 times per month, and they said it was the perfect solution all-around. God’s hand is clearly in this. 

This all happened in the last three weeks and we’re still in awe. 

We didn’t pray that God would just hand us money (though we wouldn’t say no 😉 ) – we prayed for opportunities to EARN it, and He came through quickly and amazingly!

I share all of this as an encouragement. ANYONE can do what we’re doing. EVERYONE can become debt-free even though it requires dedication, sacrifice, and hard work. As Dave says, “Live like no one else so that later you can live and give like no one else.”

We are “gazelle intense” and ready to pay off my student loans and this construction loan as soon as we possibly can. The future of our children is worth the sacrifices we make now.

A Season of Waiting

It’s hard to believe that it’s October already. September was a blur, filled with many changes and hardly any free time. Now it’s Fall and the temperatures have cooled, the leaves are starting to change, and we are in a season of waiting and expectation.

My job has been going well, but they’ve been putting me on the schedule for far more hours than I had requested, leaving me feeling exhausted and with little time at home. Between working five days a week (as opposed to the requested 2-3 max) at The Hotel and one day a week at church, I’ve been left with only Sundays off consistently, and I’m hoping that changes soon. I haven’t had much time to write, read, or rest, and I feel weary.

In addition to working so much, we had to say goodbye to Brennan’s car last week, leaving us with only one vehicle for the foreseeable future. This means many hours of sitting at The Hotel for one of us when our shifts don’t coincide (all too often). Now one of the windows on the van isn’t working properly and we’ll have to have that fixed soon. Money is tight, we each have our own minor physical struggles (ear infections for me, leg injury for Brennan), we’re too busy (and that is out of our control), we miss Tori, and we’re tired. It’s so easy to feel discouraged right now.

Tori has been in Heaven for six months and it’s amazing how easily it is for us to lose perspective already. After all that we’ve been through, all that God has brought us through, it’s still so easy to get wrapped up in all the things that aren’t going our way. We realized this earlier this week and we corrected our perspective – what we’re enduring now is nothing compared to what we went through with Tori, and we can’t let ourselves be overcome by these trials. We can’t allow ourselves to forget that God is holding us in His hands and is in complete control! He is faithful, He is good, and we are trusting Him during this season of waiting and uncertainty.

There are some exciting things happening this month for us:

  • We’ve been working feverishly to get our house ready to be on the market, and that will happen THIS WEEK! We’re so excited! You can read about why we are selling our home here. We cannot wait to be DEBT FREE!

  • We were featured in the Lancaster newspaper yesterday and are so thrilled that Tori is continuing to make waves across the state!
  • My manuscript is being edited THIS MONTH and we hope to start pitching it to publishers in November! I also have another book idea brewing, so I hope to start working on that project soon.
  • We’re headed to California this week for a quick trip to Disneyland! I was supposed to photograph a conference in SoCal and had already purchased my plane tickets when the conference was canceled…so, we decided to go to Disneyland instead!
  • At the end of the month, Brennan and I will be taking a LONG awaited trip to Nevada, Utah, and Arizona with Mission: Imperative where we will be going to most of the National Parks in the area! We cannot wait for this adventure, especially since all the details are taken care of and we paid for the trip long ago! What a great way to celebrate six years of marriage doing something we both love – traveling! ❤
  • I’m continuing to write for The Transcend Project along with members of our church. Please check it out! There’s SO much great content on there!
  • Also, I finally decided to release the live recording of the song I wrote this year (my first and only!). You can hear it here.

A few prayer requests:

  • Please continue to pray for us as we continue to navigate life without our Tori. We miss her terribly and there isn’t a day that goes by without us thinking about her constantly. We’re still doing well, but life is obviously very different without her.
  • Please pray for wisdom with decisions regarding potential offers on our home and where we will live after the house sells.
  • Please pray for favor with publishers, and that the right one will step up to help us tell Tori’s story and save lives through Newborn Screening.
  • Pray for physical healing for both Brennan and me.
  • Pray for us during this season of “waiting” for so many things – our home, future children, the book, etc.

Trials in this life serve a few purposes, but one of the most important is this: this world is NOT our home. It can never make us fully happy – only Heaven and the One who reigns there can. These difficult times won’t last forever – we just have to remember that. And so we wait on the Lord who is always faithful and good. ❤

Sacrificing the Good for the Great

I knew this would happen.

We bought our first home in December 2012 as an investment, knowing that we would fix it up and then sell it and pay off our $50,000 in student loans with the profit.

I did well for the first year or so with not being attached to it. I remembered that it was only a temporary home and that helped me not be attached emotionally.

But, somewhere along the line, it happened. I became attached.

Now that we are so very close to listing our home, I am finding myself feeling sad because I don’t want to leave it. It’s the perfect little home and we (with the amazing help of our friends and family) have made it look so great! We have had so many memories there. It was our first home together. I have lived here longer than I’ve lived anywhere since I left my parents’ home. It’s where we lived with Tori. And it’s where we said goodbye.

My mind loves to wander and reminisce, and I try to find ways out of selling it. But, I have to stop and remind myself that we are sacrificing the good for the great.

Our home is good. 

Being debt-free is going to be great. 

I can’t even imagine how amazing it will feel to have $500 extra in our savings account each month instead of it going to student loans. We made a wise investment in this home and we are so close to seeing it pay off. And that feels so good, but that doesn’t mean it will be easy.

I remind myself that we can always find another home to make our own. Once we are debt-free we can more easily live the life we want to live.

Sometimes we have to sacrifice what’s good in life for what’s great, and it is always worth it, even though it’s difficult. Now if I can just convince myself…

(As a side note, if you’re looking for a beautiful 1,800 sq. ft home in the Colonial Park/Lower Paxton area, let us know!)

Here are a few pictures of the remodeling we’ve done to our home: