I'm finally debt free!!!

In my “2015: Best.Year.Ever” blog post, I reminisced about some of my favourite 2015 highlights.

While all of those we be etched in my memory forever, there is one thing that supersedes them all: paying off all my debt.

After two years of trying to figure out how I was going to pay off my debt, my financial blessing finally came last month.

July 2012, my department at my former workplace told us that they were laying off our department. I was the happiest employee in the bunch.

December 31, 2012 was my last day working for someone full-time. 

January 2013 I took the risk and started teaching piano full-time.

By September of that year ,I started running into financial trouble. Even though God had blessed me with more clients, I was falling behind with my bills and I couldn’t figure out why. I wasn’t one to spend money on clothes or shoes. I rarely ate out. I didn’t get it.

As the bills started to pile up, I had to eventually suck it up and start working odd jobs to make ends meet but those jobs weren't cutting it either.

I started borrowing money to stay afloat but fell into depression trying to figure out how I was going to pay the money back.

This year it got so bad to the point I stopped checking the mail because I knew my mailbox was filled with outstanding bills. I stopped creating my monthly expense spreadsheet. I started screening my phone calls to avoid bill collectors. I cried out to God daily asking when this financial trouble would come to an end.

Then it happened. I was blessed with a substantial amount of money. I had enough to pay off all my debt. It felt too good to be true. I cried for days because I felt like I didn’t deserve it.

After two years of financial struggle, I was finally able to pay off my debt…all $65,000 of it!

Being debt free has to be one of the best feelings in the world. What a great way to end the year.

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When you get a chance, please visit my friend Tyrone’s blog. His posts are insightful and very thought provoking. See his blog here.

Thanks for reading and keep smiling :)