Skip to main content

Where We Stand

The last of our debt – to any one person or institution on this earth – is right here:


That’s it. $9,322.78. We basically owe Navient a used Kia Sorento.

Here’s where we were as of Christmas Eve, 2014:

No automatic alt text available.


I want to make it clear for those just now tuning in. Over the last two and a half years:

  • We paid off nearly $6,800 in credit cards.
  • We paid off a surprise hernia surgery for Ruth ($1,700)
  • We paid off Amazewife’s student loans in full to the tune of $15k.
  • We’ve paid off all but the above amount of my $15k student loans.
  • We owe no money on car payments. Instead we’ve sent three vehicles out to pasture: our Silhouette, the Suburban and the LeSabre. We currently drive a Toyota Sienna and the Ford Taurus.
  • We’ve paid cash for everything, including:
    • Car repairs and replacements, the surprises and the planned
    • Vacations (the ones we could afford)
    • Our 5 month old, Weston Anthony.

Image may contain: 1 person, closeup

That $9k is going to die. We were planning on having all $9k paid off by March 27. Amazemom is taking all of us undeserving children to Disneyland that day. Doesn’t look like that is in the cards. It will be closer to May.

I’m posting this to share with you where we stand. I hope you find hope in it with your money.

I could go in to a lot of other things. I could point out that there seem to be some White House staff that have gone rogue on Facebook. I could describe my feelings about President Trump’s Immigration Ban EO. I could even ramble on about how I’ve lost 20 lbs. since changing my diet, 7 of which I’ve lost in the last three weeks since dropping sugar and added sweeteners. (I do a kettlebell routine MWF and run TTh.)

But that’s not what this blog is for.

Ok, it’s kind of what this blog is for. I’m trying to record as much as I can. But it’s focus is on us smashing our debt. It’s about us living like no one else so that we can live like no one else. It’s about you believing you can, too, because you read about it here, on the internet.

So stay tuned. The funeral procession for the last of the Gardner family debt is coming ‘round the bend. How far away is yours? How far away do you want it to be?



Popular posts from this blog

5 Things Every Pizza Delivery Driver Needs for Success

Updated: 2/1/2016.

“How many times has Dave Ramsey said, ‘Deliver pizzas’?” Said someone on the Dave Ramsey forums.The answer is: lots.I hear it often when I listen to his show. That and ‘sell the car.’ (Car payments KILL people’s wealth-building income every month. )Since first posting this list back in December of 2014, I’ve heard great, quality responses and suggestions. The original list of five things has been updated as follows:A kit for receipt convenienceA fuel efficient car with an accurate GPSA need for speedThe “Wow!” extrasA smileThese tips apply no matter what company you drive for. (No pun intended.)Let’s learn something.1. You need a kit for receipt convenienceDon’t underestimate the power of a simple receipt kit. It is as follows:A clipboard. A suitable pen for your clipboard. A cheap, small flashlight with a clamp or a tether.A clipboard and pen are must-haves. It is easier on you. It is easier on them. Not having one demands more of a hungry customer than is necessa…

Happy Thanksgiving

Happy Thanksgiving.Wanted to talk about being a turkey today. But first, here's a recap of the Baby Steps used in Dave Ramsey's Financial Peace University.Baby Step 1: $1,000 cash in a beginner emergency fundBaby Step 2: Use the debt snowball to pay off all your debt but the houseBaby Step 3: A fully funded emergency fund of 3 to 6 months of expensesBaby Step 4: Invest 15% of your household income into retirementBaby Step 5: Start saving for collegeBaby Step 6: Pay off your home earlyBaby Step 7: Build wealth and give generouslySo we're on step 3. How's it going?It's not.What we're doing now is akin to what happened a lot between baby steps 1 and 2: Save up your $1,000 emergency fundHave an emergencyRepeatExcept we haven't had emergencies. We maintain the $1,000 EF month to month and manage other storms. We've had to repair some vehicles, sure. We also have more income now than we did. We were forking over hundreds to creditors not long ago. Now we can …

We're debt free.

Ladies and gentlemen, we are debt free.