Debt Free Diary Entry 12- 1 Year Anniversary Reflection


You can find the full list of debt free diaries and the disclaimer here.

1 Year Anniversary

Can you believe how quickly a year passes?

It has been 1 year since we finished our Financial Peace University class. I have to admit- I feel like a failure. On our list of (original) debts we are on #3. That is pathetic. We had planned to be debt free by next March and we have barely made a dent.

Today we ran into someone from our class at church. She asked, “How are you all doing with your cash envelopes and stuff?”

We laughed nervously. “Uhhh….ok. We go in spurts,” I said. “Yeah, we aren’t doing so well either,” she admitted with a smile. 30 seconds of small talk later, and the conversation was done.

So was the impact.


You see the sermon today was about commitment and going beyond just believing. In order to grow, develop and progress in your walk with God you have to commit to spending time with him. You have to make an effort. You have to do actual work.

Getting out of debt is similar.

It is one thing to believe that we will get out of debt (which I do) and to know that we can’t live like this forever (check).

It is another to actually make it happen.

That requires dedication and hard work. That requires soul searching and pushing forward. That part is hard.

A Year in Review: The Good and Bad

Over the past year, we have made progress, and we have had setbacks. We have definitely worked hard and made changes. We have pushed ourselves out of our comfort zone. But I don’t feel like we have “won”. In my opinion, we have been very lukewarm.

The Good

Credit Card free for a year

Zero Overdraft fees

We make a budget every month.

No car payments- yay for junkers!

We have no life.

The Bad

We definitely have made a few unnecessary purchases when things were rough to “comfort ourselves”.

A few hospital bills put us at a six-month standstill.

Although we always write a budget, we haven’t exactly followed it 100% each month.

We are not where we want to be but we are also not where we were.

So, it’s ok for now but it’s time to turn up the heat. We are becoming luke-warm and even I want to spit us out.

Goals for this year:

Don’t just make the budget, follow it.

Don’t just say your are going to use cash- do it.

Don’t just say you are going to work extra- get an extra job.

Don’t just make goals-exceed them.

Don’t just wallow is self pity-run to freedom.

Don’t just try to get out of debt- DO IT.

What are your goals for the year? Comment below!

Author: Vanessa

I am a free spirit who learned to use creativity as a key to success in chasing after debt freedom. I am a mom, lover of all things DIY, a little bit of a treehugger and modern-day hippy and an encourager to the core. If you need a little inspiration for your debt free journey, you’ve come to the right place.

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