Free From Debt
In order to break free from debt you need to stay focused. In my post about tire traction I wrote about how I used to send emails to my wife about getting out of debt. She was doing an internship in Washington, DC at the time and so I would keep her up to date on my progress.
I wanted to share a couple of those emails with you today. There is power in writing stuff down on paper or through an email. For one if helps you write down your goals and if you share them with a person close to you, they can keep you accountable or even help you reach your goals. So here are a couple of emails that I wrote, I have not changed anything in the emails, I am posted as is.
>Fabian Ramirez wrote:
>Subject: Re: Hi baby!
>Date: Fri, 20 Jan 2006 13:56:33 -0800 (PST)> Hey Drea, just wanted to say hi. Hope your day went well today, i’m here
>in
>the office, woohoo. It’s weird having you so far away, I think it’s
>starting
>to hit me that you are over there. Whatever happens I know we’ll make it
>work. Well I started school, I sort of know what i need to do in my
>classes,
>i’m just waiting for one more book to come in the mail, it should come in
>today. Some of it seems overwhelming, simply because of time, but i’ll just
>have to take care of it during my free time, which will probably leave me
>without any time. That’s okay, I can’t wait until I start paying off some
>of
>my debt, I paid off two credit cards already, it was only a little over
>$200, but still. I have one more to tackle and i’ll be good to go and I can
>start paying off my students loans. After this semester I am going to be
>paying for my classes cash. I got a little sad last night when you were
>upset and frustrated, I don’t like it when you are like that, but thats
>okay
>because I want you to express how you feel. I know it’s hard to be away
>from
>me but just focus on what you are doing right now and we’ll have a time to
>see each other and be together soon. ; ) Have a wonderful day and know i’m
>always thinking of you and praying for you. You are the best Andrea and not
>anyone compares to you, ever!
>
>Love u,
>
>Fabe
Here’s an email that I wrote 3 months later. I was starting to focus on my student loan debt.
>Fabian Ramirez wrote: Hey Babe, just made my
>first payment to pay off student loans. Breakdown is below.
>
>$10, 794.00
>-2,000.00
>
>=$8,794.00 Left to Pay>From: Andrea
>To: Fabian Ramirez
>Subject: Re: Mission to pay off student loan debt
>Date: Sun, 12 Mar 2006 16:23:27 -0800 (PST)
>
>Is this $2000 from Elias?
>Fabian Ramirez wrote:
No, 800 from tax return, 600 from work at INTL Office, and the rest just
saving money. My saving was at 3000 now it’s at 1000. My checking is at 300.
My Ramway Business is at 300. I made 30 today, someone bought another
product. Praise God. Lil money hits like that add up. With Ramway, I made
$45 profit this past week. Please pray for RamWay, many of the products are
high cost Christian products, I have to sell at MAP (Retail), feel free to
visit store.http://stores.ebay.com/RamWay-MERCHANDISE
Love you, Fabe