Not Impressed With Our Debt – Week 44 of 80 – Challenges

Remember when I told you about a trip to the emergency room in November last year and as of yet had not been billed for it? Well I finally got the bill…all $3200 of it. Yeah, and I have insurance and I still had to pay over $4000 for an emergency visit! This high deductible crap is getting old.

To add to our debt this month we desperately needed a new lawn tractor to mow our large yard. The one we have been using was getting too run down and the expensive repairs really didn’t fix the problems the mower had so we reluctantly bought a new one. We felt that a quality mower from a real dealer was the way to go. The initial cost is more expensive but the quality is 10 times better than a mower from a Walmart or Home depot. This new mower like the medical bill, cost us about $3200.

So our debt went up $6400 this month.

I considered giving up for a few months on these financial posts because our debt went up instead of down which just sounded awful to me and because I have two other blog series I want to pursue this summer.

However, after thinking about it more I  want people to know that things aren’t always going to be rosy when you are trying to get rid of debt. My husband told me I was making paying off our debt sound too easy and that to the reader we weren’t struggling every week. We ARE struggling every week. That is a reality for us, but do people really want to hear about reality? The bottom line is every single week we are paying off our debt regardless of the setbacks.

There is always going to be something that comes along that is a set back for a while. Vehicles come and go, home repairs from storms, new mattresses and those pesky medical bills to name a few but you can’t let it slow you down or break your commitment to paying off debt. Two steps forward, one step back? I guess that’s the case for us this time. Debt has its highs and lows.

When I started this series of posts I didn’t really think many people would read them. Do people really care that much about debt? You know what though? I have been surprised by the number of people that have come up to me and have mentioned how much they look forward to reading my debt challenge posts and to keep doing it.

Is there any good news you ask? Our home equity balance is now at $228. You know what that means right? Happy dance to come this month! I will have a BIG post when I make that last payment in a few weeks.

Keep at it my friends…keep at it. -MM

Published by marymargaretripley

I am a professional Bakery Manager at a privately owned grocery store. I also owned my own bakery for over four years. I have been baking for 15+ years professionally. I also teach canning and preserving classes and have been gardening since I was 5 years old. I live in Western, NY with my husband, teenage son, Bernie the Cat and Muffins the Hamster.

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