The Brooks family is broke. Sort of. We are not broke in the sense that we don't have money that could be dispensable, we do. We are broke in the sense, that it is gone, used, has a purpose. My husband and I, chose to go down the debt-free future path, about two years ago. We have worked hard, and paid off a lot of debt. But selling our house, renting, then purchasing our forever home, put our debt-pay-off-plan on hold for about 9 months. We are finally getting back to it, and have set a pretty lofty goal for ourselves. We want to pay off one of our student loans by this time next year. It is doable, if we stick to our budget......if we say, "No."
|Smart Advice from Mr. Dave Ramsey|
We don't want our friends and family to stop including us (or trying to), we don't want to be thought of as "cheap" or "stingy". It's quite the opposite. We want to give ourselves the opportunity to be the "yes" people in the future. With debt hanging over our heads, we would never truly feel comfortable with larger purchases, family/friend vacations, dinners out without reading every price on the menu, or shopping for ourselves without feeling guilty. Becoming debt-free will help us do all of these things and more, while still being responsible and thoughtful about our money.
Joe and I, own our choice. We stand by it. It doesn't bother us to miss out on these situations for the time being, because the goal is that we will be able to enjoy them in the future. We want to instill smart finances, and financial responsibility in our boys.
I don't feel sorry for us. I'm proud of our choices. My goal is for the people around us to understand WHY we say, "No.", WHY this is important to us, WHY we make the choices we make.
|Our Debt-Free Future Inspiration|