Have you ever written your mortgage payment and thought what you could do with that money if you were free and clear of that debt? How wonderful it would be if you could pay your house off and then sell it and not owe any lending institution any of that money? Wouldn’t it be wonderful to pay a thirty year mortgage in ten years or less? It is possible and I am going to show you how to do it!
Today, as I spoke to a young man, the Lord led me to share my testimony of how God led hubby and me to become debt free. He told me I should write about it because few people his age knew this one small trick in doing just that! I had no idea that not many young people know about this until he told me. I was happy to tell him and I would love to share it with you as well.
When we started out with one of our first homes, we had no idea about borrowing money, principles, interests, etc.. I had no idea that for years we had paid nothing on our home itself, but instead all of our money was being wasted on interest! Instead of a mortgage payment, you could have called it an interest payment.
When I found out how long we had to go to actually pay our house off, it was almost sickening! Thousands and thousands of dollars was going straight to the bank, instead of paying down our house!
The Lord led us to get out of debt years ago. Now, I am not telling you to do this, but for hubby and me it was what God wanted for us. We had almost drowned in debt and if it had not been for the goodness of God we would have gone bankrupt! There were times I could not even buy groceries our money was so tight!
We always tithed and gave an offering, and thank God we had the good sense to do that. Just about the time I could put going to the grocery store off no longer, there would be a check in the mail from our insurance company either saying we had overpaid or we had met our deductible and had paid too much to the doctor. That is before we walked in the complete knowledge of healing, but that is another post!
One day I went to the Lord in tears. There is no pressure in this world like financial pressure! It is no fun being poor and doing without and it is even worse when you see your children doing without! I cried out to Him and told Him we had to have His help. I had seen other tithers and givers who had plenty of money and then some besides! I didn’t understand why we were barely scraping by. It just didn’t seem fair.
God was so merciful and gracious to me when He answered me. He told me we were spending more than we realized and it was wasteful spending. He had me get out our charge CARDS. We had more than one and that was a great deal of the problem. Many times it is tempting, especially when you are young and don’t really realize how fast money can slip through your fingers, to not cash a check before you go out to eat or to the movies. Whatever the case may be, it is so easy to slip that plastic out of your wallet. It is convenient until you get the bill. What is bad is many will max out one charge card and turn around and get another and, before you know it, that one is maxed out as well and you are now drowning in a sea of debt. Let me add, we did not have a debit card. I knew if I had one, it would be as if I had written a check and failed to write the amount down. We just were not comfortable with the possibility we could overdraw our account.
The Lord had me get together all of our bills and put them down on paper. As I began to look at our charge cards, it was obvious they were the culprit. I began to see a pattern of where we were going wrong. We would go out to eat, and we were amassing a debt of about one hundred dollars a weekend in eating out and ‘recreational’ activities. BAM! The problem was so simple.
As those ‘weekend outings’ began to pile up to the sound of 100.00 a weekend and we were paying the minimum on our charge cards, soon I discovered we were over 8,000.00 in debt to charge cards alone. This did not include our car notes, day care, or household expenses. We were in over our heads and we were drowning.
God in all of His grace and mercy began to show me how to budget. I had never been able to stick with one before, but I knew God had heard my cries and was giving great grace to me. I went to my husband and showed him where we were going wrong and what God had said to do about it.
God told us we could only go out to eat once a month and it HAD to be cash or we couldn’t do it. I learned how to cook during this time. Little did I know one day I would be a contributing writer for a nationally known recipe site. God takes even our biggest goof ups and brings us great blessings through them.
At the end of one month, after budgeting not only on the food bill, but cutting some other corners, we had actually saved 800.00. When I showed my husband that figure at the end of the month we both cried and praised God. God told us to take that 800.00 and pay it on the charge card that had the smallest amount of debt. Within about 3 months the card was paid off.
After paying off the first charge card, God told us to take the full amount of money we had paid on it, along with what would have been the minimum payment and begin paying it on the second and largest one. When we did, we were able to pay the 8000.00 in debt down in just under a year. We went from seeing no end to being DEBT FREE with charge cards to being debt free in less than 12 months! Glory to God!
At this point we were able to take the money we had paid on the cards and we began to apply it to the principle on our house payment. We went from a thirty year mortgage to having our house paid off in 11 years!! Another miracle for us.
If you can just pay 200.00 a month on your principle, you would be shocked at how quickly your debt will dwindle! It won’t be long until you will be holding the deed to your home in your hand instead of the lending institution holding it in theirs!
We had to learn that you HAVE to mark how much is your monthly payment and how much is your principle payment. Often banks will apply that to your next mortgage payment instead of putting it toward the principle. This does you no good. Make sure you earmark it and double check with the bank and triple check by closely examining your bank statement!
You may feel as though you are drowning, but there is a way out! If we can do it, so can you! Remember, we had God’s mercy and His Word working in our favor by doing what God commanded in being tithers and givers! We paid our tithe straight off the top! You cannot afford to not tithe! Try God in this and see if He is not faithful to you. I am proof He is!
Since we sold our house, we have occupied a travel trailer until the quest for our new home is over. I have noticed some unexpected things with our new lifestyle and one is, I am not getting the nutrients I need. I noticed I was craving vegetables and fruit. This got my attention because I don’t like fruit!
Since my pregnancies, 25 plus years ago, I had heard you crave what your body needs. If you are craving something, your body is missing a key nutrient found in that food. I have heard a great deal about smoothies lately. Soon I became so preoccupied with the ‘smoothie’ idea, I decided to research it. I found smoothies offer a full days supply of vegetables and fruit and give you many key nutrients with just one serving.
Today is my second day, and I must say, I do feel a difference for the better. I don’t feel anything earth shattering, but I do feel I have more energy and I have noticed a considerable reduction in stomach acid and much less acid reflux. This does surprise me!
This is my recipe, if you would like to break out your blender, too!
I start with half of a banana, 1-2 large strawberries, 1 cup packed spinach, 1/4 of an avocado, and 2 teaspoons of peanut butter. I do use a small amount of bottled water to make sure it is smooth and not a chunky consistency.
This is the result of my nutritious blend. It is good, not spectacular. I still have some experimenting to do. I am not a big fan of bananas, so they will probably be replaced soon with pineapple. I will let you know how it goes as I go! Just feeling better is enough for me to say, ‘Bottoms up!’
Blessings, dear reader! See you soon!!
Super Bowl is February 2!! We all know that is the ‘Black Friday’ of football season where snack foods are concerned. Being at a total loss for my Super Bowl menu, my lovely daughter stepped in with a great suggestion!
Let me go ahead and preface this with I do not want to hear from health food fanatics this year about how unhealthy ONE DAY out of the year may be, because I did have ONE last year! This is Super Bowl and if you want to celebrate it with ‘health’ food, please move on to a health food blog! Now on to our SUPER BOWL FAN BUNCH, and my daughter will take it from here!!
You will need:
1-2 cans crescent rolls
spaghetti or pizza sauce (whichever you can find)
grated cheese, preferably mozzarella
1 package pepperoni
This is what you do:
Preheat oven to whatever it says on the package of crescent rolls. Roll out on a greased baking sheet. Spread the sauce evenly. Add pepperoni, or meat of your choice. Sprinkle cheese on top of the meat and roll as usual. Bake for the amount of time it calls for. Goes great with Ranch dressing for dipping or marinara! Enjoy!!
Dips of any kind are always popular at this time. I say make it easy on yourself and do a Ranch dip or an easy cream cheese with crab and cocktail sauce…yummy!
I found this by accident on a blog that is no longer managed. I was so sad to see it abandoned! It had this picture, but the webpage could not be found! I went in search using google and http://www.sixsistersstuff.com/2011/10/easy-15-minute-apple-cinnamon-rolls.html came to my rescue! I love this site and encourage you to visit it! They have some REALLY neat stuff!! I am going to do this when we go camping! This with a hot coffee in 27 degree weather sounds divine! Enjoy!!
Directions: Open package and place cinnamon rolls 2″ apart in a lightly greased 9×13″ baking pan. Scoop a large spoonful of apple pie filling on top of each cinnamon roll. Bake at 350 degrees for 15-20 minutes (time will depend on your oven, so just check often). Remove from oven and drizzle with frosting while they are still warm.
This is so easy. Three ingredients and you are done! Makes fries even yummier! Enjoy!!
Mix together and dip!