Happy Turkey Day!


After all the great food, family, and fun today, remember to think about thankfulness. Being thankful is being content with who God made you to be and what God has given you. I’m thankful for my life, for I wouldn’t be here today if it wasn’t for Him. I’m thankful to be able to worship a God like ours in a country like ours. I’m thankful for the people in my life who have been there from the beginning. What are you thankful for?



Do you know what freedom feels like? It’s an amazing feeling! There’s nothing holding you back. Nothing following behind you. Complete freedom. Liberty. Independence. Dependence on God alone and not on credit cards, auto loans or payday loans.

I just sent my final two credit card payments today and I am now completely debt free! There are no words to describe this feeling. Now my income can go to investing, saving, and giving without just funneling it to the banks. Be debt free! Live debt free! There’s nothing like it.

My Credit Card Company Called Me!


So I saw an unrecognized number ringing on my cell phone. Normally, I don’t answer unknown numbers, but I didn’t have anything to do at the moment so I answered it. Well, what do you know? It was my credit card company calling to do a customer satisfaction survey. It was about the phone call I made a couple weeks ago when they decided to mess me up.

I wanted to have some fun with it so I said, “sure.” The nice lady on the phone started with, “on a scale of 1-10, how satisfied are you with the outcome of your previous call?” I thought for a second. Well, they did reverse all the finance charges and the late charge. But then again, they really should have never been that crazy to begin with. I was only a couple days late and I had never been late before in my life.

“Eight,” I replied. She asked a couple more similar questions. “Eight…seven…nine…” I felt that I was treated all right given the circumstances. The next question started the fun. “On the same scale, how likely is it that you would recommend this credit card to family or friends?” I said, “zero,” without hesitation. The CSR sounded flustered. I couldn’t help but smile. That definitely wasn’t the answer she was expecting.

Nervously, she asked, “could I ask what the reason is for your previous answer?” Again, without hesitation, I said, “Dave Ramsey.” She said, “excuse me?” Again I said, “Dave Ramsey.” Short, sweet, and to the point. Silence. I decided to help her out. “He’s an author.” She said, “oh.” I told her, “I’m getting out of debt. In fact the payment is already on the way to pay off this card.” She quickly ended it, “well, thank you for your time and good bye.”

Good bye is right! Good bye to credit card debt! Later this month I’ll be free!