Wednesday, June 1, 2016

DEBT FREEDOM! A Story Only God Could Write!

Since our very first announcement of Plan Move and our debt-free journey back in May of 2013 we have been on a roller coaster of a ride. Now we can look back and see how God perfectly directed each and every step!

To think since then we have saved up and paid over $60,000 to own two properties, and adopted two children! Wow!


This post is the follow-up to point out the very hand of God throughout our debt-free journey....let's start at the beginning!


In May 2013, "The Next Great Leap" we announced the blind leap of faith we were about to embark on. Destination: debt-freedom!


We had already paid off all car, loan and credit card debt thanks to Dave Ramsey's snow-ball techniques before the kids joined us. Shortly after making them ours we made the decision that the kids needed one stay at home parent more than they needed the pretty house in a cookie-cutter neighborhood. We realized paying our $250,000 mortgage would be a long and uphill battle that, frankly, didn't have the energy for. 

So we outlined our plan, contacted our realtor and prepared for the journey ahead. We figured if living a year or two in our 300sqft motorhome at an RV park meant paying cash for whatever house we wanted then we were so there! And we were off, "Alright God lead us!"


In August 2013, "Do You Ever Slow Down!?!" everything was happening so fast!


Our house sold the moment we got the "for sale" sign in the ground before it was even listed. We sold all our stuff and prepared to move yet didn't quite know where but as fast as the house sold we found and purchased a 7 acre plot of raw land that was beautifully trashed. We thought we could clear enough to temporarily park our motorhome on it while we saved up money to build....but God had other plans.... 

In November 2013, "So...Are You Moving or What?" we were working hard to get our land ready before Dec. 6th, the closing date on our house.


We found out that temporary housing permits restricted people from living in motorhomes in our county which put us in a bind...we have a month to get out of our house and we were now the owners of a 7 acre property but we couldn't live on it. What were we going to do and what was God up to!?!

November was also the month that God began tugging hard at our hearts making it clear that we needed to renew our homestudy again and be ready to open our home to another child...sounds crazy because at the time we didn't have a home! But God always knows and is in control. Read more here: "It is Not a Good Time"

In early December just before we moved out we were made aware of a tiny trailer on 4 acres for sale, we made the decision to take out a very small loan and buy it with the plan to pay it off in one year. That same month we were matched with our son, Sam. If we had been set on our plan to move into our RV and set on not borrowing money we wouldn't have been able to bring our amazing Sam home! 

In January 2014, "Debt Free Here We Come" we shared details and pictures of our new tiny home!


This tiny house was nothing special, it was a lot of work and we were hesitant about getting into debt to get out of debt. But if we had been set on our plan to move into our RV and set on not borrowing money we wouldn't have been able to bring our amazing Sam home! God knew what He was doing for sure and we grew to love that tiny house!!!

In December 2014 exactly one year since moving into our tiny (now paid off) home we were felt a strong pull to move out to our original 7 acre raw property. How? We owned the land but we knew that building a home or buying a mobile home to move out there would mean taking out another loan....the whole point was to get out of debt so why such a strong pull, God?

In December 2014, "Move in Progress" as quickly as we thought about moving again it became a reality. 


After finding a realtor who sold repo mobile homes we only viewed a few before we found our new home. God worked out the miracle of interest-free financing quickly and now we had enough to buy the home, move it out to our property and put in water, electric and septic. The repayment plan for the loan was one year. Although not debt-free, we were moving again. It was happening.  


In February 2015, "Feels Like a Mansion" we had finished all construction and repairs, were moved in and settled. 


As soon as we had hung up the last picture and began to take a breather we were contacted about a little girl, our Brittney. We can see now that if we had stayed in our tiny house another year as we saved up money to pay cash for this new home we wouldn't have been able to take her. Our tiny house could never become handicap accessible. We would have missed out on our sweet and joyful blessing that we have in Brittney!

In June 2015 we brought our sweet girl home!

In February 2016, one year after we moved into our current home we paid off our $20,000 loan! We were now mortgage-free!



DEBT FREEDOM!!!

In May 2016 just three years after we announced our original debt free journey we paid off a couple more small debts and are now proud to announce that we are DEBT FREE!


It certainly took some determination and focus but most of all it took the ability to be in tune with the Holy Spirits promptings and the readiness to trust God wherever He led us. We could have been debt free sooner. We could have chosen to not borrow another dime. But we just may have missed out on two great blessings if we had! 



Now on to the journey of farming, self-sustainablity and starting our own family business...and who knows, maybe another blessing on the way! ;)


Posted by Shannon

2 comments:

  1. Congratulations! God's plans are so much better than our own. We hope to be debt free in 3-5 years.

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  2. You do not know how much this post spoke to me. i live in a little home like the one you moved into...it was to be my fixer upper. after a 13 yr marriage, a very bad 13 year marriage, it was still a fixer upper. he collected guns instead of fixing our home. now he is gone. i have no money , i am in school, i have peace and I am happy. And now i have hope. God is good and I gleaned alot of ideas from your post. just the fact you did with less and made it work made my heart happy. thank you

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