‘Twas the Night Before Christmas (In Debt Edition)

‘Twas the night before Christmas, when all through my mind
Not a buck to my name, not a one I could find;
My credit cards are maxed out; but I still need to flaunt’em.
While I stand there and watch my finances hit bottom;
The children were cozy all snug in their beds,
Not a clue in the slightest of the danger ahead;
Their beds could be repo’d, or even their pet,
We borrowed for everything; and now we’re in debt.
A reality check is in order but who will it be,
to open my eyes and help me face me.

An idea I have; to my computer I flew like a flash,
Booted it up and went straight for my stash.
My ING DIRECT account was at zero, not a penny still saved,
What is debt freedom? I feel completely enslaved!
When, what to my wondering eyes should appear,
a website, a good one, that says debt freedom is near,
With a candidly candid, commando approach,
Motivational in nature; a passionate coach.
Your freedom; his mission; debt freedom the mark,
From slavery to freedom, the difference is stark.

Dave Ramsey inspired; impassioned debt hater,
He learned to save now so he doesn’t pay later.
In 2008 his family shouted “enough is enough!!”
Stopped borrowing money and said to heck with their stuff.
They battled a budget and sold their new car,
With no payments and bondage, they’re sure to go far.
Their plan worked and now they’re debt free,
Now the gifts are paid for under the Christmas tree.
Like Dave suggested; they’re living differently than most people do,
so that later they will live like no one else too.

Here is my chance to step up to the plate,
and get rid of our debt before it’s too late.
Head on over to Enemy of Debt and please read;
so you can learn the difference between a want and a need,
Your family will thank you for leading the team,
as Enemy of Debt motivates you to follow your dream.
He says it’s not easy but it’s all up to you
how your life will turn out; that’s so very true!
Don’t wait till retirement to see your mistake;
Don’t rely on Social Security; your future’s at stake.

I have a decision to make; do I have what it takes?
to stop digging myself deeper and put on the brakes;
I think I’ve seen what I’ve needed to see,
it’s time to get busy to set myself free.
My children may not lose their beloved dog Fluff;
My lesson to them; Don’t borrow for stuff!
Now I have a chance to build some real wealth,
and change the direction of my financial health.
Thank You Enemy of Debt for helping me out;
next Christmas will be a debt free one, no doubt.
I encourage you all to check out his great site;
Merry Christmas to all, and to all a debt free night!