Month End: December Snapshot

As 2021 closes, I am amazed by the financial achievements we were able to accomplish this year despite the year being like another 2020. We paid off the car loan for the 2019 Ford Escape, funded our 3-month premier emergency fund (3 months’ worth of income), paid off the Navient Student Loan, and I achieved a personal milestone in my annual salary. Finally, I was able to restore the balance in the checking account to the amount that I agreed with my wife. When you have less debt, you quickly re-capture what you lose because all the income is coming and staying in your checking account. Truly the Lord does crown the year with His Glory regardless of what life throws your way. Looking at this image below:

I’m still shocked and very thankful for what we can do in our finances when we stay focused. We are not finished, and life doesn’t need to stop because we’re still trying to pay this debt off. We took Evie again to the Christmas tree farm, and she was able to experience us picking out a Christmas tree. I am looking forward to the day she is old enough to pick out her very own Christmas tree to cut down. Our Christmas had a few more gifts for her, and like previous years, we focused on only making the minimum payments toward our debts which includes what I would pay to replenish the savings account. We made sure to pay for our Christmas gifts in a way that we do not have any debt carrying over into the next month, nor the next few months. It feels good knowing we are in a financial position to not put it on the credit card and make minimum payments on the card because we can’t afford it. It feels good knowing we can pay for it all at once.

As we sat in our matching pajamas, Evie was on my lap and Jill played a video of my Christmas gift that didn’t arrive on time. It was a hand made painting that combined two photos of Evie with my Dad standing together. Because she was in my lap, I could not express how happy I was. It is the moment that my Dad didn’t get to experience on this side of Heaven. He would’ve been so happy and proud of his granddaughter. I believe if he had the opportunity to know Evie it would have made him an even better man. I know Evie is making me a better person. The photos that Jill used for Evie and Dad to make the painting were special because one was of my Dad from our wedding and the other was Evie from Jennifer’s wedding. As this year ends, I am ready for something better to begin. Are you thankful to almost be debt free?

If you want to learn more about the self-lending principle or if you need a financial check-up, then contact me

This month’s video is FIGHTER MINDSET – Powerful Motivational Speech/Video [1 hour+] from the Mulligan Brothers YouTube channel.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”


I believe in your journey to….

A Debt Free Me


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