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April 9th, 2018 at 07:56 pm

Well, it is that time of year again. Twelve years ago today I started this blog. In that time I paid off about $200,000 in debt, which included three cars (two used, one new) and one mortgage. I still have $29,750 to pay back to my mother, but I've been free of consumer debt for a couple of years now.

Most of the debt that wasn't cars or the mortgage was due to medical bills and having to pay for 6 surgeries in 5 years with cruddy medical insurance. I think it was 6. It blurs together. But it kept me alive, so what are you going to do? I was determined not to declare bankruptcy although we easily could have. But that would have felt like giving up and I never wanted to do that.

I hope to get moving on paying my Mom Loan off, but it has been rough going with 10 months of unemployment during the past year and a half. Right now we are breaking even. I am hoping to contribute $1000 of the tax return to paying on that loan. Maybe $2000. The rest will go into the Emergency Fund, at least until DD gets her surgery and we pay our portion.

It feels like there have been many ups and downs in the last twelve years. Two years ago we were in a much better place financially than now and it is taking a lot to recover from all we lost, both mentally and financially. I'm not sure how long it will take, but with a lower income it is slow going. And since we don't own the house anymore, our only assets are the van and the truck we are about to inherit.

I just keep hoping we will really get back on our feet soon and that DH will get a better paying job soon. We need it to get back to where we were and to ever have a chance of paying Mom off and saving for a down payment again for a home of our own. I feel like we are currently just treading water. But treading water is better than drowning. At least we all know how to swim.

10 Responses to “Blogoversary”

  1. Carol Says:

    Happy blogoversary!🎆🎉🎆

  2. creditcardfree Says:

    It's been a joy to follow your journey! Happy Blogoversary!

  3. Rose. Says:

    I always look forward to reading your blog. It keeps me motivated to keep trying even when I feel discouraged.

  4. FrugalTexan75 Says:

    Happy blogaversary!

  5. Dido Says:

    Happy Blogoversary! I'm right behind you at 12 years in June. Great job on the debt reduction despite some tough times. I hope things ease up for your family soon with the unemployment and medical problems. You are doing wonderfully in the face of the odds!

  6. creditcardfree Says:

    LR, you have RA right? I saw this YouTube video that might peak your interest.

  7. rob62521 Says:

    You proved you are responsible by paying those bills! Good for you!

    Happy blogoversary! Very happy to read your success as well as how you handle your challenges.

  8. LuckyRobin Says:

    CCF--LOL, I actually watch that channel all the time and have seen the video on that before. I haven't tried it yet, but have been thinking about it.

  9. creditcardfree Says:

    I had a feeling it was a possibility that you watched them. It seems to have lots of therapeutic benefits...I think I'd try it. Either way it's quite the testimonial he has.

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