Every debt free story submitted is special. I smile from ear to ear every time I read a new submission. I’m equally as excited about today’s Debt Free News because today’s story comes from someone who has followed Enemy of Debt since the beginning. It was readers like Scraps that kept me on the path to educating the world about debt and living a debt free life. Scraps is special to me because we have continued to chat over the years and we have often emailed back and forth about things she’s going through or just to chat about something I wrote. I’ve also enjoyed hearing whenever she has a great tip she wants to share that has helped her out on her journey. She really touched my heart when she sent the below message about how Enemy of Debt has helped her. It happened to be at a time when I questioned whether or not I wanted to continue blogging. (bloggers remorse is REAL!)
“It was the few scraps of money/change I had that made a difference – you showed me that. Plus, I have a great birthday each year – how, I don’t spend my change I accumulate each day – every day I put all my change for the day in a container and once a year I take all of it to the bank – when – a few days before my Birthday and that is the money I use to celebrate – it is amazing that bit of scraps(change) always nets me between $260.00 and $300.00 to have a fantastic birthday – debt free.
I also want to use it (EOD) because you continuously show people they don’t need to make a lot of money, win the lottery, pray for overtime – all they have to do is start with the scraps and watch them add up to a fantastic meal once a week, a suit credit card free, a dress credit card free, a vacation credit card free, a life credit card free.
As I told you before, your site has made a great difference in my life and even though I plan to bite the bullet and do all I can to be free of debt by the end of this year – I plan to still go to your site to remind me of my accomplishment and the blessings I can receive from it and to keep me encouraged to stay debt free.
May God continue to Bless you and Keep you in His Care.”
SCRAPS…CONGRATULATIONS! I’m better off for knowing you! You deserve debt freedom and I have been so excited to see you overcome the debt in your life! You should know that your journey has only just begun. Debt freedom is only the beginning and it gets better each and every day that you are no longer a financial slave to the many people willing and ready to take your money. Keep rocking it!! 😀
The Enemy of Debt Questionnaire – Congratulations to Scraps!
How much debt did you have and how long did it take you to pay it off?
At first it was $10,000 paid it off. Then thinking I had it together did it again. But, this time I didn’t stop until I hit $20,000.
How does becoming debt free actually feel? Does it feel better than you imagined it would?
Relief, relief, relief. When I paid the last bill I felt a weight come off me? They can’t take the house, the car, anything. It all belongs to me. I will never, never, never do it again. It aged me more than anyone will ever know.
What were some of the struggles that you had to deal with along the way? Was there ever a time where you almost gave up?
Me having to say, No. That is not easy for me. Everyone knew I was the one who would give my last penny, go without, sacrifice for my friends.
What would you consider to be the most important key to becoming debt free? What helped you the most?
Becoming selfish. Yes, I said selfish. I had to start telling myself, before you help people out who always get amnesia when it comes to paying you back ask yourself this, are they in trouble because of life or because of them. Asking myself who was going to take care of me if I lost my job and realizing the answer was sobering.
It seems a lot of people have bought into the idea that debt is essential in order to prosper, what do you have to say to those people?
Don’t do it. Save up for everything you want, no matter what it is. When you add everything up with the interest rate and years, I could have bought 2 houses and 5 cars.
What was the biggest sacrifice you would say you made in order to become debt free? What about you changed the most?
My social life changed and because of that so did most of my friends. I couldn`t travel, I couldn’t go out, I could no longer go on a $3,000.00 shopping spree in one day. I had to stop and say, “what is more important?” I realized less is best. I became a bargain shopper. I started asking, what do you need? Why do you need it? What would happen if you never get it? Can it wait? But, the most important question I now ask, is this really a need or a want you are telling yourself is a need?
Did your friends and family give you a hard time about your new mission to eliminate the debt from your life? If so how did you deal with it? Do you think you inspired others by your journey
Sometimes, they thought I was going overboard, when I would insist I didn’t have money for take out and I just got paid. They would tell me I was going overboard and I had lost it. I asked them, if I lose my job today, will you pay all my bills? About 3 of them are taking some of the tricks I used to help themselves now.
What is next for you? What financial goals do you plan to accomplish?
I now must work toward a 6 month emergency fund and catch up with retirement big time and save up from a family trip to Disney World or Hawaii-pid by cash only.
This story was submitted by Scraps — a LONG TIME READER of EOD. (one of the very first readers actually) 😀 Scraps is now debt free and loving it, and really loving seeing her bank account go up instead of down.
Debt Free News From A Debt Free Reader Series
Click here to read any of the other great debt free stories in this popular series!
More to come…but only if I get some new submissions! 😀