DEBT IS AWFUL

NATURE CALLED MY NAME waking me at 4:11.  Toilet breaks are ever so important. Instead of returning to bed, I sat in my blue wing chair and read.  I could hear cars passing by in the street outside my front door traveling to wherever.  The sound of water being splashed by their rubber tires confirmed it had rained during the night hours.  Wet pavement.  Chilly weather.  Rain plus freezing weather causes icey conditions.  Not safe to travel on.

I wasn't expecting rain until later in the day.  This for sure changes my plans.  I'll have to wait until it stops raining before carrying cardboard boxes to the cellar for storage.  Not a biggie as I have plenty to do inside.  I continue to make headway with unpacking.

The Bathroom is nearly vacant of all the boxes that were stacked about.  I can work in the Kitchen.  

BANKING BUSINESS.  Early morning phone calls were made to check on credit card balances because today is the day that they will be seriously paid down.  I'll leave a $50 balance on the cards so a paper statement for my records is mailed to me next month providing proof the cards are paid way down.  This has been a hellish ride in my marriage with carrying such high balances.  It has been a burden to carry.  One that I have not wanted to have.  Juggling bills is awfully tiring.  I have hated it.  With debt, one eventually has to pay the piper with interest. Credit cards are like an addictive drug of finances.  Like being a meth addict that is at the mercy of the horrible drug.  It is so very unhealthy to run up the balances of credit cards and carry debt. It can break your back to where you cannot move about freely and cripple your emotions.  A prisoner to the lender.

What is it the Bible says about debt?

The credit card companies are like a mafia.  Once you have a high balance that was put there when carrying a low percentage rate, it disappears and they have you on a hook.  You still have a balance to pay off and they have done a switch.er.roo on the percentage rate.  The low interest rates disappear and a much ridiculously higher rate kicks in.  Our cards have interest rates in the double digits now.  I stared at the interest rates and screamed with anxiety that we are carrying balances with these rates.  I swore years ago, I would never use a card or take out a loan with a interest rate higher than 10%.  Will excuse me...10% was a long time ago.   

Hubby and I are finally on the same page about NOT having debt.  I pray it stays this way as we have not always been singing the same tune when it came to the finances.  I confess, over the years, I found myself crying out loud with desperation that I was alone with my feelings of frustration with this journey paved with a plastic road that should be forbidden to go down. 

With having moved, our 2024 finances will be different.  I pray we heal and can be much healthier in the financial realm.

I will stay HOME today and work about our tiny COTTAGE giving God praises we have this roof over our heads and it's paid for.  After 49 years of marriage, we have no mortgage payment nor rent.  Yes, there are taxes to pay, insurance, utilities and upkeep, but we have some cushion now to live like we should...out of debt after a lifetime of owing others so much money.  Honoring one's debt is a honest way to live.  It is wicked to not pay your debt.  

Frugal living is a must.    

Dear Lord, I pray you will help us stay debt free.

~D