It's Rolling!

Despite the set backs that have occurred over the past week, the timing of things could not have worked out better.  We received our tax refund which effortlessly replenished our emergency cushion.  This obviously has both of us feeling much more relieved. 

It's funny because I used to feel secure knowing that if things were really awful, at least we had enough line of credit to cover us.  But now that thought terrifies me.  I finally see the truth behind that line of thinking.  When things get bad and you need money right away, putting it on credit is like slapping a band-aid on a severed foot.  It may be fine for a minute but things are only going to get worse.

On top of the relief of no longer relying on those band-aids, the refund was also the tipping point we needed to pay off our first credit card!  We are no longer standing at the top of the hill packing the snowball.  We have finally set it free on its way rolling down the hill! 

I know we still have a very long way to go, but it is an amazing feeling to get to this spot.  The feeling of shredding a credit card, deleting the payment app on my phone and closing the account is the perfect fuel to keep us going.  At the start of this blog, it was figured to take us three years to pay off that first credit card.  And here it is, a little over a month later and it's gone.  All it took was some focus and determination. 

So now we get to watch the snowball roll, throwing more snow at it as often as we can, and soon the mountain it is zooming down will look more like a rabbit hill.  I know we will hit more set backs, but I refuse to let those stand in the way.  We will be debt-free!