(Be sure you learn Half 1 of My Journey and get caught up earlier than you proceed with studying half 2 beneath).
As I shared in Half 1, I had declared chapter. Luckily, a couple of months earlier than that had truly occurred, I met my (future) husband. We each had the identical beliefs and morals, and we instantly related. He knew of my monetary previous. Actually, he even stated that he actually didn’t need to get married till my chapter was behind me.
In early August 2002, I formally declared my chapter. It was not feeling, however on the identical time, I had owned my errors. I knew that this may comply with me for the subsequent ten years of my life. I tousled. Plain and easy. The great factor is that my (future) husband was understanding. And, inside a couple of days of my chapter being filed, he proposed. In June 2003, we had been married and commenced our lives collectively.
We each had been a little bit older and wished kids, so we knew that we didn’t need to wait to start out our household. After simply 15 months of marriage, our first little lady was born – Emma. Previous to having our first youngster, we each agreed that I wished to remain residence and lift her. This meant I would wish to stop my job. It additionally meant some pressure on our household financially.
We pressed on. Whereas cash was tight, we did job at not utilizing our bank cards to dwell. Nonetheless, we ended up taking out a house fairness mortgage to care for some issues round the home. We additionally had two automobile loans. We even had a little bit bit on bank cards. We struggled some months to make the minimal required funds, however we managed. I nonetheless am undecided how did simply that.
March 2007 got here alongside, and our son was born. That meant we might have one other mouth to feed within the coming months. We stored urgent on — generally robbing Peter to pay Paul. In October 2007, our son’s Godparents shared with us Dave Ramsey and his Complete Cash Makeover plan. We each knew we would have liked to get rid of our debt however in fact, had been clueless about tips on how to go about doing it.
We had been each very curious and desirous to be taught what Dave Ramsey might train us. So, in early November 2007, we positioned an order for his books. We sat down and browse every thing inside a couple of days (no joke). As we learn his books, we had no clue as to how this man would change our lives — endlessly…..
….proceed to learn Half 3 of my story.