WE’RE DEBT FREE!!!!!!!!!
Last night, we sent out our final payment to pay off the Hubby’s 13-year old Student Loan debt, and it felt gooooooood.
For the past 28 months, I’ve been anticipating pressing the “send payment” button, assuming the heavens would open, the birds would sing a little ditty, and our lives would magically be perfect with the literal push of a button.
But the kids still cried at little provocation. The birds were snuggled in their nests (hey, it was late in the day!), and wouldn’t ya know it, the sky looked exactly the same.
That’s not to say that paying off $77,232.88 in 28 months wasn’t completely and totally worth the hard work and dedication. It was. But the bulk of the worth comes knowing we could stick to something as a family. That we could make a HUGE life change. That we would be provided for through whatever circumstances should befall us.
Now, I’ve never been to rehab, but I am fairly certain what I am feeling this morning is pretty similar to what any addict coming out of their addiction feels. I’m filled with exhilaration at knowing WE DID IT. My pride in our focus is bursting at the seams.
And I’m scared.
I’m scared of “falling off the wagon”. I’m scared of having “extra” money each month and just *poof*, have it be squandered away. I’m scared to put my money where my mouth is. I’m scared of what the future holds, knowing if we maintain our focus, the future holds nothing but good.
I never really thought of debt as an addiction, but our debt has been around for so long, I’m not exactly sure how to live without it! It’s “the norm”. If you’ve ever quit an addiction, you know exactly what I’m talking about. You have to change EVERYTHING you do. When I quit smoking, I knew I had to change my lifestyle. I had to change my routines. I had to reroute my brain to not include a cigarette. I had to do something different when I woke up. I had to do something different when I drove my car. I had to do something different when I went out with my friends. I had to completely change my life to not include something that had been a crutch for so long.
But I did it. I have said since the day I quit, that it was the best thing I’ve ever done for myself. I even said that after I had kids! (Not that my kids aren’t wonderful and beautiful and everything I’d have ever prayed for). Getting out of debt ranks right up there in my top 3 things I’ve done for ME. (1. Quitting smoking, 2. Dumping Debt, 3. Graduating college. In that order).
So, if you feel trapped under something: debt, alcohol, weight, relationship problems, health problems, an unfulfilling job: CHANGE IT.
It’s scary, but man, it’s worth it.