A Vow.

For richer or poorer…

This was a vow my husband and I made to each other on our wedding day back in 2013. And currently, we are living in the latter part of that vow. Don’t get me wrong; we aren’t so broke that we can’t afford to live. No, we are more than blessed to be able to pay all our bills on time and still have money left over for the little things. Things like pizza (which is so very important to me).

Unfortunately, we are saddled with a huge amount of debt, like many in our generation. We have student loans for days, a mortgage, a car loan, and other smaller debts like doctor’s bills. These are things that although we wish we didn’t have, we needed at the time we took them. Looking at the list of debts we owe, the only ones that I honestly don’t regret are our car and our house. We needed a place to live and buying was cheaper in the long run than renting, and with two kids, we needed more space to drive around in. As for student loans, heck, I wish I had never taken them out. And don’t get me started on how ridiculous my medical bills are (that’s another story for another day).

But, it is what it is. We currently owe over $100,000. That amount is staggeringly awful! So how do we handle this? One debt at a time. Our journey to becoming debt-free will not be an easy one. Especially for me since I am the world’s worst impulse shopper. But I have figured out ways to bring this number down. My husband and I know that we cannot afford to stay in this kind of debt forever. And, God forbid, if something were to happen to us, we don’t want to leave our kids with this burden to take care of. So, as we go about our lives trying to pay off what we owe without driving ourselves insane, join us! We will share our tips for paying things off, as well as be open about our debt. I’m of the opinion that we are to share in each other’s joys as well as our burdens. For once, I’m looking forward to being able to pay off what we owe!


--chloe.