Our Debt Free Journey: NO MORE CREDIT CARD DEBT!








WE ARE CREDIT CARD DEBT FREE! One more goal achieved!

I made it all the way to age 22 without touching a credit card but once I “discovered” Discover, things went down hill from there. Twice now I’ve had balance (just on the Discover card) of over $9,000. I even had to open a SECOND card with Citi bank to transfer the balance and avoid the crazy interest rates! Those games are over.

We cut up our credit cards early into our Dave Ramsey journey but it was hard and my mom told me I was crazy and needed to keep them for emergencies. I have yet to come across an emergency in the past year that needed me to reach for a credit card that our emergency fund didn’t cover.

Here’s an updated debt snowball – it is projecting us to be debt free except for our home by October 2021

  • Roof Repairs
  • Toyota
  • F-150
  • Student Loans
  • Medical Debt

I prioritized the medical debt last because it is 0 interest. We are currently cash flowing a bathroom remodel which will slow our progress a bit for May and April but we are still cruising and are in desperate need of an upgrade. I also consider it an investment in our home. You can catch up on that project here.

I gave away quite a few The Total Money Makeover books leftover from the blog giveaway. I brought them to work to hand out and all 6 were picked up by the end of the day.

While the stimulus check helped, we had the money set aside to pay off the credit card debt in March which was our original goal. The stimulus check just gave us permission to spend that money instead of holding onto it!Craig and I both still are employed, the bonus of being a farmer and a nurse, so while the stimulus check is not necessary for us, we are very thankful for it. I’m making sure to support our favorite local SMALL businesses as well this week to make sure I put some money back into the local economy.

This meant celebrating our debt free milestone by ordering supper from our favorite restaurant – Riverside. I did a whole blog post about it last Friday and you can find that here.

That’s all I have for today guys! I’d love to hear about where you are in your debt free journey if you’ve got one! Leave a comment below!



  1. Robin
    April 19, 2020 / 1:24 pm

    The pictures of the boys with the sign are so cute, and normal.. Trying to get two littles to sit still is close to impossible. You are rockin the Dave Ramsey plan. Isn’t it a great feeling to be cash flowing your bathroom remodel? I can’t wait to see the completed project. Good luck starting your new job tomorrow. Great things are happing in your family!

  2. Elle
    April 19, 2020 / 2:22 pm

    CONGRATULATIONS!!!!!!!!!!!!!!!!!!!!!!!!!!! I know this feeling and I hope it carries you for awhile on the wave of success and the value of goal setting.

    Love your bathroom remodel plans AND that you are doing it cash flow. I know it takes longer but the accomplishments are much sweeter for it. My thoughts on your bathroom? We decided 25y ago that we had to stay in this home a year for every $1000 we spent on improvements. That really helped us. I know you live in a smaller community and your family is all within a terrific radius right now. If this seems like your forever home, go for it! Make it exactly what you want. I concur on that above toilet cabinet, it seems cumbersome visually.

    Congrats on the new job that starts this week! Your patients are lucky to have you (retired RN here).

  3. Susan the Farm Quilter
    April 19, 2020 / 10:25 pm

    100% debt free here as well. Have been for years! It allowed me to live with and care for my dad for four years. Love being debt free and will never willingly take on any debt. I still use my Discover card, but I pay off the balance every month, so no interest ever. Being debt free has allowed me to buy houses for 2 of my three kids (the other is in the military and moves too often), and I don’t own anything on their houses either. I love being able to help others. Saving up for something I want or want to do is fun, because I’m earning the interest on it while saving, not paying interest. Makes me appreciate what I have so much more as well! Of course, this pandemic has taught me just how little I really need that I don’t already have in abundance.

  4. Jen
    April 20, 2020 / 12:19 pm

    I keep a Scheels card and run all my expenses on it every month. I think it is easier for me to keep track of my expenses. It is paid off every month. The bonus of this is Scheels gift cards, and with 2 boys playing sports in high school, it significantly helps my budget. Sports are soooooo expensive!

  5. mpv61
    April 21, 2020 / 8:25 pm

    Congratulations! That’s so exciting!

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