I recently read a post by Sarah at Thrifty Decor Chick about Dave Ramsey and about getting rid of debt. I found myself nodding and huh huhing alot while reading her post.
In the past we have taken Lines of Credits and Credit Cards for granted. Over the past 5 years though, huby and I have worked really hard at staying out of the red. Especially me. I have anxiety attacks and can't sleep to even imagine a check bouncing or not being able to pay a bill on time. I pay our credit card in full every single month, and I check the bank account every-single-day!! Am I crazy? Do you do that?
Well, reality check... my beloved 10 year old van passed away this week. (sniff... sniff...)Actually it's still dying as we speak cause I haven't picked it up yet from the mechanic's yet. You see, on the weekend I filled the coolant holder thing-a-ma-jig with coolant fluid, only to find it empty two days later. Now, I'm not good with cars and stuff, but me thinks, I have a problem. I brought it in and the mechanic said "if it was my vehicle, I would not fix it, and I would look for a new vehicle." ummm... mechanic told me NOT TO FIX IT. So I went shopping for a new vehicle. Guess what? We just invested in our back yard, so now we can't afford a new vehicle (without going into debt.)
MAJOR DECISION TIME!!
So... we have made a decision to down-size to one vehicle (temporarily) until we can afford to buy a new one without going into debt!
I was sad as soon as the words came out of my mouth.
But now I'm relieved that I can breathe easier every month and not have to make a monthly payment on something we can't afford this very minute.
This will entail alot of planning and organization on my part, but I'm determined to make it happen.
Hubby, works about 20 minutes away, and it will mean I will need to drop him off and pick him up on the days I have kids appointments or personal appointments.
It will also mean, I will be walking alot more than in the past. It's about a 20 minute walk (one way) to our closest grocery store. So either I have to wait, or make a detailed grocery list every week.
H. and A walk to school and S. takes the bus. I used to drive H in if was a "little cold" or we were running late. I guess that option is out for now.
So... I just wanted to let Dave Ramsey know... "I listened to you! I am not going to buy something I can't afford!"
What about you? Are you a one car family? And how do you make it work? I need yout tips and secrest peeps!
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