Heritage Acres Homestead

Debt

Debt... what a terrible word, what a terrible way to live, but how many of us do live this way? With a huge weight on our backs because we just 'have to have' this or that, or you know we just have to have the best of, or lots of times, we want it NOW and we DON'T have the money and so we pull out the old credit card and the cycle continues...
The above picture is not our debt, but last night I sat down and wrote out a debt list very much like the one above. 
It listed our mortgage, a loan for our roof we had to replace, credit cards and a couple of doctor bills that are lingering from Shannon's stay in the hospital.  It truly was appalling to look at the debt that we have accumulated. Most of which was our home loan.  I have to take a lot of the credit for the shape we are in financially.  I have been very naive and blind to the burden of debt... I had the 'worldly' mindset for the longest time...
Meaning, instead of remembering the verse,
Romans 13:8
Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law. 
*I* had the mindset, EVERYONE has debt, I mean, how on Earth do you have anything if you don't????
Like I told you earlier this week the revelation about Self-Control, this has been on my heart also... a by-product of the lack of my Self-Control.  I keep saying MY, but obviously it was OUR, because my husband and I are one... but honestly, I was not a very submissive wife in the beginning of our marriage and I was the one who nagged about this or that until my dear husband agreed.  BUT... that is another story, and thankfully God has changed my heart drastically. 
This is something Shannon and I eagerly want to overcome.  We want to be able to be Debt-Free before we are old and gray.  It CAN be done, I know it. 
One aspect of our trouble is that Shannon is still in the waiting stages of finding out where God wants him... he has a job now, but we don't believe the position he is in right now is where he should stay... we are seeking God on where He wants him to be.  Your prayers are very much appreciated.
Nevertheless, we KNOW God will bless, He always does.  We will continue to be faithful in our little... we KNOW He is always Faithful.
My Cup Runneth Over...

06:40 - Wednesday, December 31, 2008 - post comment


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This issue has been on my heart and mind for a long time as well. We are also struggling in this area. I'll be keeping you and your family in my thoughts and prayers.
Blessings,
Cathy

Anonymous - 08:20 - Wednesday, December 31, 2008


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God bless you and your family in the year ahead!

Jennifer

Anonymous - 09:19 - Wednesday, December 31, 2008


Hello!

We have lived with debt for so many years. We had always said we wanted to be out of debt by the time we were in our 40's.

We are finally out of debt except we still owe on our house and our daugters braces. We both could use a newer car but we don't want to add another payment.

My husband has a feeling that lay-offs are possiable the beginning of this year so we have been looking for ways to cut back.

We have decided to cut way back our household expenses are only $400.00 that doesn't include the house payment or groceries. We have been adding a little extra to the house payment but we have now decided to add that extra to savings.

I want to give you hope there are so many ways to get out of debt and the main way is to watch your spending. We have started writing down Every purchase and then looked back to see if it was really a need or a want and it is amazing to look back to see what we bought. Try this! You will see where your money is going:)

Many Blessings!

Renee

Anonymous - 09:23 - Wednesday, December 31, 2008


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This is a topic that weighs heavily on my mind. I am wanting to get out of debt also. It's such a burden.

Anonymous - 06:30 - Thursday, January 1, 2009


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Chas,
Thank you for being so real on this topic. I too have struggled with submission for years and just letting my honey lead no matter what. We were in a mess finacially when my husband was deployed in 2004 and everything hit us like a ton of bricks. It has taken us 4+ years now to see our sin and turn andt to live on less and within our means. I know what you mean about telling yourself everyone is in debt. We did it for the first 14 years of our marriage. We, too, plan to be debt free including the mortgage when honey retires from the military. That means I will never drive the newest best car or have the newest best clothes but I will have the peace of mind that I am being obedient to God's will.

Blessings to you and Happy New Year!!! I have truly enjoyed your blog this past year!!!
Trixi
http://makingitourhome.blogspot.com/

homesteadinthemaking - 11:07 - Thursday, January 1, 2009


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Welcome to the Journey of our lives here at our place on this Mountain, our Heritage Acres Homestead. My name is Chas and here you will find my thoughts, my ideas and my accomplishments of my life as a Christian wife to my Sweetheart of many years, and as a Homeschooling Moma to my 4 beautiful blessings. We are making the most out of what God has abundantly blessed us with! Truly, My Cup Runneth Over... I hope you enjoy your visit here and come back soon!

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