Debt Free Diary: The Ying and Yang of Debt Freedom

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I have gotten a little behind with my debt free diary entries. It is currently mid-October and I am just now writing about August and September (and publishing it in March of the next year….yay procrastination).


August was amazing. No one worked extra. We actually spent time as a family and enjoyed the summer. We were a little nervous that we wouldn’t reach our goal.

Instead, we blew that goal out of the water. I had an extra check in the month of August. I love extra checks. (When there are 3 paychecks in one month the third is extra money ;)).

I also had a long overdue expense report from work that finally went through. That means that without working even a minute extra, we added an extra $2,000 to our monthly income.

With that money, we were able to pay off $1,500 in credit card debt (or goal was only $1000) and save $500 for all the lovely repairs our cars will need in order to pass their yearly inspection in October.

We were so proud of our progress that we took our son to the local zoo (on the day when it is free for residents). Then we went to the store and bought socks and ice cream. I tell you, we live large these days!! Haha. Then September happened…


September was the polar opposite of August. My husband and I both worked insane amounts of extra hours. It took superhuman efforts to make sure the little man didn’t live at daycare. We felt like we should have been rolling in the money…but it rolled in and rolled out.

My son got sick again. An ER trip, doctor visits, and many new medications later, our extra money went down the tubes. Plus, I think we had been lulled into a false sense of security after August.

We just assumed that since we were working so hard we would be fine.

We were fine, but we didn’t quite make our debt pay off goal. So, instead of checking another credit card off the list, I have to look at it for yet another month. Better yet, we get to watch it go up $20 in interest. I hate debt.

Lessons learned…

The moral of this story- no matter how good or bad the month feels you have to be diligent, keep working toward your goals, and stay focused.

Some months are great- work hard and make them greater. Some months are not- be diligent and make them work.

Debt freedom is not for the weak, the lazy, or complacent. If it were, everyone would be debt free.

Debt freedom is for those who want a better future more than they want comfort at the moment. It is for those who have a burning desire for change. It is for those who are not afraid to say no to what they want now. Instead, they stay focused on what they want later- debt freedom.

I know it’s hard (trust me, I KNOW). Giving up often feels so tempting. Being normal sounds so sweet and peaceful. It’s not.

Living with debt is a false sense of security. It allows you to believe you can afford things you can’t, live a life you haven’t yet earned. Debt keeps you chained to the past, never allowing you to reach your full potential for the future.

Keep breaking your chains. Keep moving forward. You are capable of more than you think. You, my dear, can do this.

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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