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Monday, September 11, 2006

Living Smaller

Many of you know this already, but we are getting ready to move to a smaller apartment (we've sold our house) that we can fully focus on paying off student loans and living more simply.

Living more simply...those words mean different things for everyone. It doesn't have to mean giving up all the things you enjoy. Or only eating beans and rice. Or never going on vacation again. Or getting rid of all your possessions. It's just about deciding what is important in your life, and aligning your priorities to match. As you examine your life, you will probably realize that many things you thought you "needed" really didn't need.

For us, downsizing our living space allows us to spend more time doing what we love to do. Instead of spending hours cleaning, we can spend hours at the park having a picnic. Instead of spending money on a large mortgage payment, we can live in a smaller space and use the extra money to achieve the financial freedom we desperately long for. Making sacrifices now helps us achieve our dreams for later.

This journey started over a year ago, when we discovered Dave Ramsey. We listened to Dave on the radio, read his books, etc. We were able to pay off all of our credit cards, our car, and other random debts. The only debt we still have is student loans. Some people think that student loans are "supposed" to be around forever, but I totally disagree. There is a tremendous emotional drain that comes with that kind of debt. That's why we are choosing to knock it out over the course of the coming year.

We are getting rid of most of our possessions...and all of our debt. I can feel the lightness already! And now, one last note for those of you who are saying..."I could never do that!". Look at your current living arrangements, your possessions and your spending. Do you ever use your extra bedroom? Do you really need 4 bathrooms in your house? Do you need 6 pairs of jeans? Do you need that latte everyday? Do you really have to work 80 hours a week just so you can have everything your heart desires? It does take some soul searching to make changes, but it's so worth it in the end. Go simple!


Blogger Heth said...

Great things to think about. I have a whole lot of clutter to get rid of.

9/12/2006 5:20 AM  
Blogger angela said...

I know that when we sold our house in May and we able to pay off all of our debt, it was wonderful!!!
It's nice knowing that when the Lord says "go!", we won't have to say "But I have to pay my bills".
Investing your life in the Kingdom, having a Kingdom perspective...I pray for it everyday!

9/12/2006 5:52 AM  
Blogger L.L. Barkat said...

Taking a walk, going on a picnic... these simple pleasures beat cleaning three extra bathrooms... hands down.

Welcome to the simple life. :)

9/12/2006 6:12 AM  
Blogger FillingMyQuiver said...

Wonderful news mama!! DH and I cleared our debt last year and live debt free. It is such a wonderful feeling to not have that burden. Praise God for the freedom!! May blessings abound on this journey of yours.

9/12/2006 6:37 AM  
Anonymous Anna said...

Thanks for this great post. Very inspiring.

9/12/2006 11:45 AM  
Blogger DEBTective said...

Couldn't have said it better myself, baby. I'm proud of you for doing things Dave's way and deep-sixing your debt. His way has worked for me, too. Let all your broke friends laugh if they want; you've got your priorities straight. Way to go, dollface!

9/12/2006 1:04 PM  
Blogger Charity Singleton said...

Living simply is one of the most counter cultural things we can do in America -- sizing down, slowing down, moving down the ladder. I am just about to sign the papers on my first house, but am doing so only after years of eliminating all other debt and am buying a home with a mortgage payment that's less than the average rent in my area.

I'm also growing into the idea that I do not need to possess the things I value. What I need, I can borrow, or if I must buy, I can loan it out.

9/13/2006 1:10 PM  
Anonymous AJ said...

Your story is wonderful. How did you clear the clutter?

10/08/2006 8:23 AM  

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