Debt Mountain Update Month 8ish

I really wish I had been better at writing this down every month and updating everyone. After the post where I talked about Mike and I arguing about the debt, we were able to work things out and I feel like he's really been on board with the fact that this is going to take him, me, and God to get this debt taken care of. 

While we had made some good progress the first few months, I honestly thought that I was going to have to throw the whole "getting out of debt" plan out the window when the pandemic started affecting us.

Hire A Housewife went entire weeks without a single customer. I tried to innovate and offer new products as well as show clients that we cared, but people were concerned about safety, and they had every right to be. 

Then the CARES Act put some things in place to help... and help they did. Between qualifying for SNAP benefits (meaning we haven't had to buy any groceries out of our pockets this 3 months) and a PPP Loan, temporary unemployment, and a few other things, we've made great strides towards paying down debt.  (This is especially true as a self-employed person with student loans... there is a provision in there that was super helpful for us.)

Yesterday I made my final credit card payment. 

That's a photo of some of them all cut up. I mean, I couldn't do ALL of them. I will keep a few for emergencies or car rentals or business expenses that I will then pay off every single month. 

I still owe student loans, my car, and the IRS, but we are making headway and it's pretty amazing to see all that has been paid down so far.  

In fact, in 8 months time, we've decreased the total debt by 48.27% 

Credit card debt alone was over $23,000. Now, considering my NET income last year was less than that, this is a pretty big feat. It involved a lot of working smart in addition to working hard. 

I was paying over $600 a month in interest last year before I decided this is what I needed to do. But by paying the cards off creatively and systematically, I was able to transfer large portions to 0% interest cards, which facilitated me paying them off that much faster. 

One important aspect of all of this was saying I DECIDED to get out of debt. If I hadn't put that stake in the ground last year, it would have been very easy to say, "Woohoo! Free money!" and bought some fun things instead of paying down debt. 

One thing that will change in the future is the total amount of IRS debt I owe. I finally got all the paperwork figured out and sent in, but they are running behind in opening mail at the IRS, so it might be a few months before I know what's going on with that. I'm not worried though. God's got this. And as astronomical as the number the IRS gives me is likely to be, we'll work it out. 

Whatever goal you have in your life right now, stick with it.  The Bible DOES NOT SAY everything happens for a reason... but it does say God can work all things for your good
(even when the circumstances seem less than favorable.)

And we know that God causes everything to work together for the good of those who love God and are called according to His purpose for them.
Romans 8:28

Four reasons I didn't say Black Lives Matter & the one reason I do now

A friend of mine posed an honest question on Facebook. For those who are stuck on "All Lives Matter," why are you still there?

I thought giving an honest answer might help others understand how to get the message across as well. Then, when I went back to paste my answer in, the question was gone. So I decided to turn it into a blog post. 

I, of course, believe Black Lives Matter. Always have. I love people, all people.

However, I only started saying it that way very recently... within the last week or two. It was hard to switch from saying ALL to BLACK... Here's why.

First of all, I felt pressured into the change. I was told I was a racist for not saying it. And because I know I'm not, I wasn't going to be shamed into changing. 

Many people who are passionate about this issue are also hateful to those who don't understand. So hateful, we fear asking questions because we know the answers we will get and labels that will be put on us. For many of us, our first response is to cling tighter to what we believe and ignore those who hurt us.

Second, change and growth often mean admitting you were wrong before. Admitting you might have been wrong is a hard thing for us humans, but so are change and growth... and we know those are desirable. Still, because of the other reasons mentioned here, there was no way I was saying they were right and I was wrong.   

Third, it seemed like it was tied to a political party. I felt saying it meant turning my back on my other political beliefs. I was afraid I was accepting an agenda I knew nothing about and didn't understand from a political party that makes no sense to me. I wasn't giving up a part of myself that was important to me (the rest of my political beliefs) for a phrase I didn't understand.

Which is the fourth reason... I really didn't understand. All lives matter feels like the most agenda-less of the two phrases. It felt like a phrase nobody could disagree with in a society where everyone fights about everything all the time. "All lives matter" feels safe.

But this last couple weeks everyone has been angry with each other, fighting over every word and action and definition. Quick to accuse and delete and I realized the first thing I needed to do was try to understand.

Asking questions was awful. I don't know why people are so mean to someone who WANTS to understand them. Instead, many would rather make me feel bad for not understanding them already. So I saved questions for when I really needed to hear other people's thoughts. The rest of the time I researched on my own. 

When I first read the burning house analogy, it sort of made sense to me.

I was thinking about that one a little bit. 

But then I saw this post on Facebook about Jesus leaving the 99 to go after the 1. 

That's what made it clear. I was able to see it & understand then. And because nobody was yelling at me or looking down their nose being condescending to me, I also was able to realize it wasn't political tied to an agenda. It's about people who are hurting, asking us to acknowledge their value.

How many times in my life, have I sat at the feet of  Jesus, broken, and said, "Tell me You love me, Lord." Imagine if the message He sent back, however He sent it, came across as, "I love all my children." 

While true, that answer would have crushed me... because I didn't need reassurance about all God's children in that moment. I needed to know that I was loved. Looking back, I've come to realize that God has NEVER ONE TIME let me leave one of those moments without knowing I was loved. 

People stuck on the word "all" need realize this is not about politics or agendas or bowing to pressure. It's not about whether you have been right or wrong.

This is about a group of people crying out in pain saying, "Please tell me I matter to you."

When that happens, we have to put aside our own fear, politics, agendas, and feelings, and tell them, "Yes, you matter to me. Of course you matter to me. I hear your pain and I want you to know, your life matters to me." 

And that's the one reason I say, Black Lives Matter. 

#BlackLivesMatter

Delete me if

Our country is a sad, scary place right now. I could write for hours about all the terrible things happening. But there is something people aren't talking about, and it hurts my heart to see it over and over again in a time when we all need to be coming together. 

You've seen the posts. Maybe you've written the posts...

"Delete me if..." 

"If you believe XYZ, delete me." 

"If you don't agree with XZY, delete yourself... I don't have time for you." 

Time and again I've seen it posted this last several days, and it's heartbreaking.

Does deleting them say more about you or them?

Many people feel they are saying, "This belief is so important, I will sacrifice friends for it." and "Your beliefs aren't worth hearing because they are ridiculous."  But these people forget it's a two way street. You are also saying, "I don't believe I can make a difference in your life."

And maybe you won't. But shouldn't you try, even if trying is just you living your life true to you and they see it and make changes that you never see?

Another problem with this... You are helping propagate selection & confirmation bias for both you and the person you want to delete. Everybody believes something that is based almost entirely on the fact that everyone they know believes the same thing. Or, these days, because they read it on Facebook in one of their heavily biased groups. You might be the only voice of reason some of your friends see on a given topic. 

I've done it myself. I've posted about subjects I thought I knew inside and out, only to learn new facts from friends who believe differently than I did. I can't imagine how much growth within myself would have been stunted if I only surrounded myself with people who believed the same as I do, (or who never said anything if they didn't.)

If you are ever going to make a difference on a personal level, it has to be done with love. Telling someone to "Delete me if..." is the same as saying, "I don't care about you." and that isn't love. Love is patient and kind and slow to anger. 

Another thing that is often slow... change. Even once it happens the person who is changing may not let on. Growth is hard. And admitting you are growing is even harder because you have to admit that you might have been wrong before. In other words, just because you don't see growth, doesn't mean it isn't happening.

Just remember, someone's friendship or impact on your life (or your impact on theirs) is more important than a belief they hold, however strongly either of you feel about it. Imagine if I said, "Delete me if you don't believe Jesus Christ is the son of God and you make fun of people who do." I would lose a lot of amazing people from my life. 

There are some good reasons to delete or block people from your life at times. If they harass you or cause you problems, or if their beliefs are directly impacting more than your social media timelines, then by all means, quietly delete them and let it go.

You don't have to be friends with everyone, and boundaries are good. But when your boundaries are so tight that you can't even turn your head to try to see something from someone else's viewpoint or to see that there is more value to another human being than one belief they hold, then regardless of what it is you don't agree with, there is something wrong with your boundaries.

Even Jesus hung out with imperfect people who sometimes said and/or believed stupid things. He didn't cast them away. He walked in grace and gave them the opportunity to learn.

Even if you don't agree with any of this, I don't want you to delete me. 

I want you to know that I love you and value you and your opinions and beliefs, even if they are different from my own. 

Maybe that should say especially if they are different from my own. Much of the learning and growing that I have done over the years has come through friends who shared their different perspective and knowledge with me... and I wouldn't trade that for a bunch of people who agreed with everything I said, any day of the week. 

A new commandment I give to you, that you love one another. Just as I have loved you, you are also to love one another. By this all people will know that you are my disciples, if you have love for one another. 
John 13:34-35

Bless those who persecute you; bless and don't curse them.
Live in harmony with one another. 
Do not be haughty, but associate with the humble. 
Never be wise in your own sight.
~ Romans 12 (Excerpts)

Debt Mountain Update Months 3 & 4

There's a lot happening that doesn't make sense right now. While I originally thought making the goal of getting out of debt a priority was going to be a great story about what God can do when we trust Him, it turns out, when one of the people resents being part of it, it makes the journey less fun, regardless of how amazing it is. 

Debt numbers do continue to go down... partially through regular payments, partially through jobs and opportunities that I wasn't expecting, partially through my own previous miscalculations (still waiting to find out for sure about that, actually...but it could be a decent chunk that I thought I owed the IRS that I don't.) God has definitely been in this.

For those wondering: As of the 15th of March,
we are at 67.5% of our original amount of debt! 

Our bills are paid and money goes into Mike's savings. He was given a substantial raise at work and they've put him in for a promotion. We have some work to do, but we're getting by. We are on our way to being comfortable for the first time in my life. 

His resentment doesn't sit well with me. Materially he wants for little. What he does seem to want, is justice: For me to pay for my own stupidity, my crimes, aka: my debt. On my own, without his help... meaning paying half the household bills and utilities at the same time. I already buy most of the groceries, and I feel like he's not taking into account non-monetary ways I'm contributing to the household.

Handing over money doesn't make sense to me. He too has been blessed during this journey. And because he wants for nothing materially, he basically wants me to give him several hundred a month for his savings account or to blow on things we don't need instead of putting money towards the debts that will affect our future. 

I know that we love each other very much... I believe we're trying to see eye to eye on things. So when something is so big we can't agree, I always say a simple prayer. 

"Change his heart, Lord, or change mine." By doing this, I'm asking God show us what we are supposed to do. We both know without God our marriage wouldn't survive. I do believe we are individually open to hear what God might be showing us. So I ask God to show one of us what we're doing that needs to change. 

And as I'm writing this, angry and hurt about the situation, obviously thinking about what it is going to take for God to change Mike's heart when simple logic isn't going to do it...  I'm also listening to the Sunday service online. This is what I heard: 

(Sorry about the quality. Streaming to screen-recording is even worse than normal.)

It didn't take much to get the message, even though it required a complete 180 degree turn around for me. Because by asking God to change Mike's heart or change mine, what I'm doing is giving up my own will, knowing that I might not be "right." I was giving God an opening to show me something I wasn't seeing before.

So, what's the message? I'm married to Mike. I'm committed to Mike. I am FOR Mike. If this is what it takes for him to know I am for him, then that's what I have to do. You know why? Because God is FOR us… and while it makes zero sense to do this on paper, I know that God is bigger than paper. 

Apparently it was my heart that needed to change. This debt journey has been about faith from the beginning, but the argument with Mike wasn't about faith. It was about logic and numbers. What he wants to do makes no sense to me, but what I want to do literally hurts his feelings, which means more to me than money.

Even taking what feels like a financial hit like this, God can do more, right? 

I have to fight the urge to be resentful about this or to let it hurt my feelings. I could make the opposite argument, that he should care more about me and our future together than money. But this doesn't really matter if I want my marriage to work. 

Regardless of what he actually does with the money, I'm doing what God told me to do... and I know that God is for me... not just me, US.  

God is for US, and He's not going to let US down. 

If God is for us, who can be against us?

He who did not spare his own Son, but gave him up for us all

how will he not also, along with him, graciously give us all things?

Romans 8:31-32

Debt Mountain Update Month 2

Still 17.6% less debt than 2 months ago, but
it doesn't quite feel like a 'win'... 

As you can imagine, this last month was a busy one. I've written several partial posts, but nothing I ended up publishing.

Between Christmas, a graduation, birthdays for 3 of the kids, two mid-week holidays followed by my entire crew calling in the following week for illness or car trouble... this was a rough month for me financially. I stuck to a pretty tight budget for all the kids and family this year, but it was still rough. No big numbers or exclamation points today... just the knowledge that this month was a failure in terms of numbers.

Month 1: Debts owed down 19.64%
Month 2: Debts owed up 2.06%
(% of original amount of debt)

I have been able to take a close look at this last month and learn more about our spending and how we can do this better. Or at least how I would like to do this better.

Part of the problem is that I said I wanted to do this without making Mike suffer the consequences for my debt, but it turns out that if we aren't both working towards the same goal, we aren't going to be able to make any progress.

Marriage is hard and we don't see eye to eye on finances. While it was my bad choices that put me in debt, I'm now the one who cringes every time we spend a dollar that I know we don't need to spend.
Still, his lack mindset and my abundance mindset seem to clash constantly. In in the interest of not fighting, I often pay for things I shouldn't and don't ask him to pay me back for things I should.

I've also spent way too much time taking care of the household instead of my businesses. It makes him happy to come home to a clean house and to have meals cooked a few nights a week and to be able to play his trumpet with whatever band calls him on any given night. I like making him happy, but I've got to work on the businesses more.

I knew this would be a process when I started it. I knew there would be ups and downs. If I get my taxes done this week, I'll make great progress again next month. I'm having a hard time seeing how it is all going to be possible... but that has happened before and God has come through. 

Because God knew I would need a little encouragement, I found a couple things when going through paperwork last weekend. One was a copy of the $46,000 surgery bill from the time Lauren's insurance lapsed and it took 5 months to restore. It's a long story but it was a huge miracle when they decided to make it retroactive to the date it was cancelled, covering her surgery in full.

Second was a letter from the Illinois IRS telling me that they needed more proof of my income before they would send me my 2016 refund of approximately $700. I never followed through on that when I filed and when I called this week they told me that it was still good. I just have to send in some papers.

I'm looking forward to a better report next month... and hopefully several more blog posts between now and then. There is a lot going on around here besides the quest to be debt free and I look forward to sharing that with you too. 

Debt Mountain Update Month 1

This first month has been HUGE!

Our current balance is 80.4% of the original balance! 

The scholarship turned loan turned PAID IN FULL was a huge help with this. 

I also ran a Small Business Saturday through Cyber Monday sale for Hire A Housewife and put all

Finding one of these would help, but I'm guessing I should
stick to my current plan in the meantime.

the proceeds towards paying off a credit card, which will save me hundreds of dollars of interest every month.

One of debts I owe involves the IRS. When I first started running my own business I paid dutifully whatever the program said I was supposed to pay. Then, I started getting notices from the IRS saying "We don't know why you are sending us money." So, I stopped sending it until I could get it figured it out. Only, I didn't get it figured out until last year. Now I'm working on catching up those payments as well. I paid two months of pack taxes in addition to what was due this month. 

Thankfully, I'm not "in trouble" with them yet. I'm relatively small potatoes compared to others, I'm sure. I will be fully caught up and on track before we ever have an issue. Although I acknowledge there will likely be some interest on some of this that I'm not yet aware of. 

While I don't expect to know everything in advance, one of the ways I anticipate God helping us with this debt journey is through prospering Hire A Housewife.  It is doing better now than it has in awhile, thanks in large part to our newest customer service specialist who is doing a great job. 

I do not expect to make a dent this big every month... I mean, 20% a month means it would be paid off in five months. But seeing the difference in this first month has helped encourage me to be mindful of my purchases, especially as Christmas comes closer. 

There have also been some other developments that won't likely have an effect on the overall balance for a couple of months, but that have been set off by what I started this month. That credit card that I paid off? They don't want to lose me as a customer, so they sent me an offer to transfer balances from my other cards at a 0% interest rate for 14 months... I'll only need 12, but I'll take it. :-)

With this post I'm over halfway through my "8 posts in one month" challenge from Toastmasters and I have a week to get in four more to pass this challenge.  

Intentionality in depression

"You're not on anti-depressants?" the doctor asked.

"Nope. It's been five or six years. My depression was mostly situational and once I learned how to get my mindset in the right place, I didn't need them anymore."

He looked at me skeptically. My previous doctor had left town and I had to see this guy before I could get a prescription refill for my Adderall back in September.

I continued...

"I'd actually like to stop the ADHD meds too at some point, but not yet. I'm getting ready to leave for a big trip, then my wedding, and the holidays... there are a lot of things going on right now and I don't want to deal with withdrawals and learning to rebalance myself in the middle of all of that."

He agreed about it not making changes now, but seemed annoyed that I wanted off medication altogether. "Adderall is perfectly safe for adults. You could be on it another 20 years before I'd start talking about whether it would cause heart problems if you continued taking it."

(Imagining going through all the hassles I have to go through to get this for 20 more years was enough to make me want to quit right there. It's a fight every month to get the prescription filled!)

Then he suggested that there were things that would replace Adderall that had different side effects, and he started naming anti-depressants with built in stimulants.

"No. I don't need anti-depressants." He just nodded and let me go.

I understand some people need anti-depressants. I did, when I took them before. My emotions were stuck in a cycle of bad choices resulting in bad feelings which led to more bad choices. I couldn't get myself out. I couldn't choose to walk towards the light because I couldn't see it.

Taken from cruise ship as we approached Spain.
It's still hard to believe we were actually there!

That's not my life anymore, and I'm proud of that. Some of my early blog posts are clear evidence of the hard work it took to get where I am today!

Last week though, as I sat on the couch, trying to get paperwork done and staring into space doing nothing, it dawned on me that the heaviness that had settled on me was recognizable.

In the last three months, I've planned and executed a move, taken my family on an amazing trip through Make-A-Wish, had a wedding and a reception... there has been something going on all the time. I was always under a deadline.  Life is starting to calm down. Post-wedding and post-vacation blues are a real thing... add that in to just regular life stuff and it makes sense that everything seems so difficult right now.

I've been burning the candle at both ends for awhile, and in the process quit exercising, eating well, or really even trying to do those things. I'm tired.

Writing this post has been difficult because there is a difference between recognizing depression and actually sitting in it, analyzing it, and reconciling it with who I am now.

God is good. My life is good. Good things are happening! It felt almost wrong for me to admit I was depressed... like I must be doing something wrong. As much as this blog thrives on my authenticity, my brain said, "If you know you are depressed and don't have an answer, then you must be doing something wrong. This is your fault. You can't write about that."

The thing is, God didn't say we would always feel happy. He never promised that we would always

I took this photo from our cruise ship one morning

have the energy to get up off the couch and do our work. He didn't even insinuate that it would be my fault if that happiness and energy were missing.

He did tell me to choose joy. He did tell me to rest in Him. He did tell me that He gives me everything I need to deal with the ups and downs of life.

My responsibility in this is to live with intentionality. I have to make sure that I am choosing joy when I'd rather sit in misery. When I am feeling too weighed down to move, I have to close my eyes and choose to ask Him for help... strength, energy, whatever it is I need to get through the next moment.

I don't need to get through the whole day, or the whole week, or the whole month in that moment. There likely will not be a complete emotional turn-around

or the sudden rush energy, but He gives us what we need to take one more step towards joy, knowing that it will get better.


When I started typing this, I didn't know where it was going. It seemed like a long complaint about how I'm feeling. But I know I am supposed to write. So, I intentionally choose to do it, asking God for wisdom along the way. Not for a whole book, not for a whole month of posts, but for the next paragraph... and then the next.

And while you're reading the end result and (possibly) thinking these were words you needed to read... know that these were words I needed to read today too.

God is cool like that.

And God is able to bless you abundantly, so that in all things at all times,
having all that you need, you will abound in every good work.
2 Corinthians 9:8

Recognizing the bad habits

James 1:5-6

I'm partially through a one month writing challenge for Toastmasters, so I'll have a few more posts than usual this month.

Figuring out how grace plays a role in getting out of debt is tricky. In the big picture I understand it, but I don't want to twist scripture into something that looks good on paper.

As I go through the steps to get where I need to be, I know everything will come full circle and make sense in the end. It's another part of this journey I'm looking forward to.

I've purposely taken stock of my bad habits over the last couple of weeks, thinking a bit about how I built my own debt mountain.

Of course there are student loans and a car loan and lots of charged business expenses for my main business on top of the debt from two businesses that haven't brought income. (One no longer operating.) But there are also a lot of little things that have added up over time.

Fear of over-drafting. I can pull into a gas station, knowing I have $20 to get gas in my checking account, but still use my credit card, "just in case" I need that $20 for something else. Do that three times for the same $20 and even if you haven't used the $20 and can make a payment, you've got $60 on the card to pay off. I will do anything to avoid a $32 overdraft fee from the bank... even pay 27% interest on the charge, apparently.

Bad planning. I would have called it exhaustion before. It is easy to spend $40 on pizza or $30 on Chick-Fil-A when the kids are hungry and I'm just too tired. But the fact of the matter is, dinner happens every day of the week. There are few instances where kids are hungry and I didn't know that I had to feed anyone at some point that day.

Subscriptions. A few weeks ago I spent 2 hours turning off every subscription I had... most of them not even being used. Ancestry.com, Audible (I use it, but not fast enough... I had to use 6 paid book credits before I could shut it off!), Spokeo (used for a search for a family member and forgot to shut down), Amazon music, etc... I turned off $75/month of recurring charges for things I didn't even need and rarely used.

Giving. I know. This one will be difficult. I have a hard time not justifying giving to others with the knowledge that God wants us to be generous and will make up for whatever I give. I may still continue to give as much as I have been, I don't know. This is something I have to consider, at least questioning myself each time.

I don't doubt other bad habits that will come to light too eventually. I'm taking it one step at a time.

Some will tell me that I have to work hard to pay off these debts. I got myself into this mess, I should get myself out. Do the work. Make the sacrifices. Many will hear me talk about grace being what gets us out of this mess, and assume that means I am not planning to do anything different.

Really, it's a little bit of both.

It would be easy for me to ask God for a miracle and expect one through grace, all while continuing
my bad habits, or to rely on my husband's income to get me through while I continue paying down debt. But I know that doing those things does not help me learn how to handle money better and won't keep me from making similar mistakes in the future.

For me, a huge part of my thankfulness to God for helping me get out from under this debt mountain is making sure that I learn from my mistakes so that I don't end up in the same place again. Do I think I could turn things around and then make big mistakes and God would help again? Yes. But I don't want that to be the cycle my life follows. I believe He has better plans for me (and my money!) than that!

And by taking responsibility for my debt issues and asking for grace each day to help me not use the same bad habits over and over, I'm stretching my faith and bringing myself a step closer to those better plans.

In the same way, instead of relying on a huge miracle of a windfall to pay everything off, I need to make smart choices that open up the streams of income God uses to take care of and bless my family. I mean, I have two businesses for goodness sake. I definitely have the capacity for an increase in income that will help pay off these debts and give us future stability.

But, I'll save that to write about for next time.

Moving Debt Mountain

The hardest messes to clean up are the ones we've made ourselves. 

I found this while cleaning 

yesterday just before I got the call

I mention below...

Combine guilt with worry about the outcome, and add all the work that needs to happen... it's a formula that can be motivation-zapping. Plus, there is often the little voice in the back of your head, "You are just going to do it again... so why work so hard?"

Time and again God has shown me what HE can do if I just take a step back and stop worrying. And what He does is always just so amazing! But trusting Him for help can be difficult when you are stuck on the thought that "I made this mess, so I have to clean it up."

Even though I understand grace, it's hard to get through my thick head sometimes that God cares about what I'm dealing with, much less that I can ask him for help with it. When I do though, cool things happen!

Now I've got another one to give Him, and this one is huge...

Last week I said to myself, "I've decided to be debt free." and then I didn't tell anyone else.
I just kept it to myself and prayed about what the next steps should be. 

Side note: stop formulating your Dave Ramsey comment in your head right now. He's great... but what I've got going on here is bigger than that. I don't want you to miss the point of what I'm saying. 

I've decided to be debt free by the end of 2020.

If you knew how high the debt mountain is, or how small my shovel is, you wouldn't think it was possible. In fact, you'd be tempted to tell me to stop being illogical. And that's okay. You don't have to believe this will happen. Let me show you.

But if we're talking about being logical, I have to ask... what kind of silly person asks God to help them with things that are completely humanly possible?

Mike & I eating wedding cake. 

Some will assume this might be an easy task these days, now that I'm married. To be honest, my debt has been a point of contention with Mike since we met. It wasn't enough to keep us apart, and I love that he trusts me as much as he does, but I want to be very careful that I continue to contribute to this household in ways that keep those kinds of thoughts from even entering his mind.

Yes, I will have to cut back and plan ahead more. Yes, the month before Christmas is a hard one to start this. Yes, I will be cutting up most of my credit cards and choosing not to keep a balance on any I do keep.

No. I don't know how it's going to work out exactly.

Don't worry about me though, I have a plan.

The plan is... faith. I'm not doing this on my own. And actually, we have a plan. Mike and I are in agreement that if this is going to happen, God has to not only be IN it... but He has to do it.

God has got our backs and I have no doubt that the story that comes from this will be amazing.

Not convinced?

Let me share with you what happened yesterday...

While at Knox College, I was awarded a Minority Teacher's Scholarship that was to be repaid by teaching for 2 years in a qualifying school. 

Once I got out of school, I never taught full time and I didn't verify if the schools I taught in were qualifying or not.... I just needed to work.

Then I pretty much forgot about it because... life happened.

Sixteen years later that $6500 had turned into over $10,000 including interest. (Think about that before you encourage your children to take out student loans... those can be worse!) 

I'm telling my debt mountain, It's time to go...

I recently started getting phone calls that began with, "This is an attempt to collect a debt." The Illinois Student Assistance Commission (ISAC) wanted their money.

They said if I could prove I met the terms of the agreement, they may be able to waive some or all of the fees. The problem? I'm terrible at record keeping. And apparently, not all of the schools keep their records this long either. Plus, I was fairly certain that few of the schools were "qualifying"... if any.

One district, who I called repeatedly, informed me that those records are in another building and nobody has time to look for them.

So, yesterday morning I faxed what I had to ISAC, hoping they'd at least cut it in half and set me up with a payment plan. In the afternoon they called and said it was being marked "paid in full" and I'd receive a letter in the mail.

They decided to accept and credit me with all the days worked at the one district I sent records from.

Over $10,000 off my debt mountain, just like that!

Praise the Lord!

And that's when I decided some others might want to join me on this journey.

Are you ready? Every month on the 15th I'll share what percentage of the debt is gone... and eventually a number. 

Thanks for your prayers and support. 

 ❤ 

Despite all the parts of this that will be difficult... This is going to be fun.

Even if

The mouse hovered over the "Post" button for quite awhile, although I had already edited it several times. I battled with myself... 

I don't post this kind of drama anymore.
  - It's not drama. People will understand you really need them.
I know what I'm supposed to do.
  - Ask for help, even though you hate asking for help.
I tell other people what to do when they are slipping into depression like this. Why can't I just do it?
  - I don't know, but what you are doing isn't working.
God, please fix this... 

So much of the time Lauren is a typical 13yr old.

The thought of seeing a neurosurgeon and 

possible spinal surgery is scary. 

I love this kid

Between a scary diagnosis for my daughter and an unexpected break-up, I was crushed. 

It was Saturday morning and I had spent close to 18 hours in bed at that point. Sleeping, crying, begging God to just fix it all, bargaining with Him about Lauren, and sending Mike messages, trying to get him to talk to me, mostly to no avail. I had barely eaten in 3 days. I just wasn't hungry.

I kept telling myself to get up. 

Go take a shower and be a human and leave him alone. 

I sent him one more message that I was going to spend time praying and try to leave him alone. 
I managed once to get up. I walked into the living room and turned around and walked back to my room and got back in bed. 

It is cold out there. My room is warm. 

Tears started again and knew I needed to send that post. I needed prayer and encouragement. I needed support from people who knew I was struggling. 

Friends started commenting on my post. One after another told me they were praying for me. Some told me how much I had encouraged them in the past. Others posted encouraging comments or advice.

One posted a link to a video.
I scrolled past it a few times... then I clicked play. 

As the lyrics hit me, I alternated between sobbing and singing. 

"They say sometimes you win some
Sometimes you lose some
And right now, right now I'm losing bad

I've stood on this stage night after night
Reminding the broken it'll be alright
But right now, oh right now I just can't

It's easy to sing
When there's nothing to bring me down
But what will I say
When I'm held to the flame
Like I am right now..."

That was me. Minus the stage. I started singing it directly to God. 

Then, as I hit the chorus for the second time, I realized something...  

"I know You're able and I know You can
Save through the fire with Your mighty hand
But even if You don't
My hope is You alone
I know the sorrow, I know the hurt
Would all go away if You'd just say the word
But even if You don't
My hope is You alone

It is well with my soul"

This was the first time I had said anything to God in the last few days besides begging Him to fix everything.

Instead of  Heal Lauren. Help me figure out what happened with Mike. Let the test's results be a mistake. Let the surgery not be needed. Make Mike talk to me.  

I said "But even if You don't, My hope is You alone. It is well with my soul."


And as I said those things out loud, I felt peace. And then, God told me exactly what I had needed to hear all along. And I knew instantly why I didn't hear it before... I hadn't been listening. I was demanding. I wasn't praising Him, thanking Him for all I have. I was throwing a temper tantrum because I wasn't getting what I wanted. He was there. He was listening the whole time. I just had to stop throwing a fit and listen. I couldn't hear His voice over my own.

I got up and took a shower. Still struggling, but determined not to give in and go back to bed. 

I told the kids to get ready we were going to go out to eat and see a movie. They all agreed on the same place to eat and the same movie... which told me God was already fighting for me. I mean, that was a miracle in itself!

We had a really great time. The movie was awesome. We all laughed and enjoyed each other's company. There were no tears the entire day. And, when we got home, instead of going back to bed, I went to work. It turned out to be a pretty good day. 

Before we left for the movie, I had sent Mike another message. While I didn't understand what happened, I realized that I had a few things to apologize for and I hoped he would talk to me before I left for Minnesota in a few days... 

When we met on Sunday, he said my whole tone had changed in that message. He read it, and knew he wanted to see me again.

We talked about a lot of things... baggage we hadn't acknowledged before and mistakes that were made and how we should have done things differently. Best of all, we decided that maybe it isn't over after all. Neither one of us is perfect, but we may still be perfect for each other. I'll keep you posted. ;-)


Tomorrow I am driving Lauren 14 hours round-trip to Minneapolis to talk to her neurosurgeon and figure out what our next steps are. I still believe Lauren could see a miracle. I still believe the surgeon could say she doesn't need surgery. I still believe God can heal her. But even if He doesn't do it when and where and how I want Him to... we are going to be okay. My hope is in Him alone. 

What are you struggling with today?

God's got you too. 

Stop fighting with Him and listen. 

He might be trying to give you 

 the answer you are begging for.

Are you sure you can hear His voice 

over your own?

We appreciate your prayers for Lauren.

You can keep up with her at 

Facebook.com/laurend1014