I’ve never actually done an intro post in the #debtfreecommunity but I have loved getting to know so many people on here and figured it was time!
I’m Morgan & my husband is Anthony (Ant).
We have almost nothing in common which can be fun & also challenging 😏. My husband works for a startup, kind of in sales, but travels around the country coaching employees, selling, keeping corporate in the loop, etc. I’m a nanny in Boston. We live in Rhode Island but feel like we are rarely there.
We got married in October 2015 in Disney World. We paid cash for our wedding & a reception at home. And then Murphy started hitting in January 2016. Our dog needed emergency spinal surgery. Every month, some terrible new thing happened. Our washing machine exploded. A tree fell on our house. Our dog needed another (unrelated, just unlucky) surgery. I had a flare of a bone disease (probably caused by all of the financial stress). My husband was in the ER. We both needed new tires & were unprepared. The list goes on.
We had heard of Dave Ramsey before. I actually took FPU in 2014 when I was in grad school. At the time, I decided to stop borrowing money, finish school with cash, & then we got engaged & decided we’d cash flow our weddings. We figured we’d get around to paying off our debt someday after the wedding.
In summer of 2016 Murphy finally stopped & we could breathe a little. We added up all of our debts on 8/1/16 and were shocked that it was $156,566.08. We agreed to try Dave Ramsey. I’ll have to share in a separate post, but it was NOT cold turkey for us. It has been a process and we didn’t even combine money or stop using credit cards until a year later.
It was very hard for us. I can’t even put into words, though, how amazing it has been for our marriage. Ant was recently telling his newly-engaged coworker how important this piece of our marriage has been & I was blown away because I hadn’t fully realized it myself.
Now, we do a budget every month before the month begins. We don’t use credit cards. We have paid off $148,603 in 23 months. We are achieving all of our goals and we are infinitely more crazy about each other than we were on our wedding day. It works!