I am writing along with the Sits Girls March Writing prompts for a little bit of extra blogging inspiration! You can find out more about the sits girls and their prompts by clicking the image above. This image is also courtesy of the sits girls!
I am happy to say that David and I are – as of December of last year debt free with the exception of our car payment which we owe a TON on thanks to VERY high interest rates that come along with bad credit! I am hoping that we can have it refinanced and cut our payment in half and save several thousand dollars in the process. Literally we should NOT be paying almost $400 a month on a 2004 Honda Civic but. .. some people just see people coming I guess would be the way to say it.
Then again, I had NOTHING to do with going to get this car or I would have ran screaming into the night and it wouldn’t have happened. However, we did need something a bit newer and with less miles/more reliable – no one is saying that we didn’t but.. yeah the price we are paying is just.. yeah lol
I do feel good that we have all of our medical bill debt (mostly david) credit card debt , etc taken care of where we no longer have it hanging over our heads. I hate that it came to having to take drastic steps to have the freedom, but at the same time it is nice not to be getting letters and phone calls and having people even get in touch with members of my family about things too.
Though the funny thing is I really wonder sometimes HOW they get their information because they literally blew my mom up even AFTER THE FACT we were free and clear there for a little while.It was on the edge of things being final and even though I could look at my credit report and davids and know that everything was in the right except ONE THING that I knew would drop off it was just.. yeah.
I know that I personally won’t be in the situation again. I didn’t like it, it was stressful and not worth it. The only thing that I wish is that our credit rating goes back up and we can get a house- which might look like more debt- and sure it is, but when you consider what our rent is- we could be paying probably 3 house payments at a time depending on the interest rates and whatnot! I know my parents pay what we pay for their house every month but that is because they pay extra so they could pay it off sooner.
So I guess I feel pretty financially free for the first time in many years. Yes, paying these high bills for the car and the rent suck but… it’s o.k. We can always move somewhere back up in town if we have to- which I am not really interested in that much… I would like to find something reasonable that accepts pets on this end of the world but it isn’t likely to happen – mostly on the pet front for sure..
So I guess the short answer is other than being obligated for the car- I feel pretty well “financially free” 🙂 and I hope it stays that way!
