Digging yourself out of a financial hole can be daunting and nearly impossible. I am not here to say that my husband and I dug out of the black hole we have been in but to take you along on our journey.
Let’s go on this journey together and get dirty and get out of the money hole!!
How can it possibly be BETTER to BE in debt?
After all, the Bible says that it is better to be the head than the tail.
You will NEVER see in God’s Word that is is all right or better to be in debt.
BUT I am saying there is a situation where it is better to be in debt.
It isn’t the best thing.
Of course, it is better to have enough money flow to be all paid up with your bills, credit cards, car loans, school loans, and home loans.
That would definitely be the life!!
My Story of Why it is BETTER to BE in Debt
If you read “Day 1” you will remember that “I” cut up the credit cards.
We had no credit cards for 8 whole years.
It was only in the late 70s and early 80s that credit cards were beginning to be introduced.
Before that many people saved money and loans were limited to college, homes, and maybe used for some other things. Basically, you just couldn’t purchase something without having the money for it.
As the credit card companies started to target young people in their 20’s and 30’s the paradigm for money started to change.
Debt was marketed just like a salesman would market a car or shoes to a potential buyer.
You probably don’t even know what I am talking about just like this is new to me!!
What was happening was that our mindsets were being changed to accept debt to gain our ‘wants’ like never before.
We became confused over the difference between needs and wants.
The first time we got a fat tax return, we chose a sectional sofa that we wanted to buy. We had never had a sofa and had been married for over 3 years.
It took over 6 weeks to receive our tax return.
The store offered credit on the sofa BUT THERE WAS NO WAY MY HUSBAND WOULD GO FOR THAT!!
We waited until we actually had the money.
Like a Frog in Hot Water, We Gradually Got into Debt
It wasn’t long before we had a credit card.
Not long after that my husband bought me a cute little red Ford Fiesta (so he could drive it 😉 ) for about $5,000 with a car loan. He had a car loan before we got married, so why did I think this was unusual?
That was the beginning of a string of vehicles with car loans.
We were typical Americans!
After the eight years without a credit card, my husband got a credit card.
For a while we had two cards but soon realized that was more trouble than it was worth!
I argued and harangued my husband to get rid of the card and get out of debt.
I wanted to live debt free more than you can imagine.
It was no use.
My husband had gradually changed his mindset and although I lobbied for living debt free, I would charge when there was something I couldn’t afford, or just because I ‘wanted’ something.
My mindset had changed too though I thought it hadn’t.
Being Out of Debt was More Important than Submission!!
That was such a hard thing to wrap my head around!!
How could debt be all right?
Of course, debt was wrong and “I” was right!
I was trying to control my husband. I had become a debt police and was trying to control him although he was bucking and resisting.
He wasn’t leading when “I” was wanting out of debt.
Being out of debt had become waaay too important to me.
We were NOT on the same page.
It would be different if we were both in agreement and wanting to go in the same direction.
So, I had to learn to watch us go into more and more dept. It was hard.
It never got way out of hand and for that I am thankful.
We would get the cards racked up and then pay them off.
We even put the credit cards in water and froze them in a rubbermaid container.
Problem was we could thaw it!!
I had to come to the point that I was willing to be submissive and stay in debt.
God asks wives to be submissive and that trumps His instructions on debt.
Debt isn’t a salvation issue it is just wiser.
I had to also realize that debt was not our real problem. The real issue was far deeper!
I will be sharing the amazing story of how we are now on the same page. We are going to be working towards being totally debt free.
It is never too late.
It is better that you start when you are younger but more important that you don’t read my post and try to MAKE your husband Make Your Money Matter!!
Share YOUR Money story with me in the comments. How has this article impacted you today?
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