Join Date: Dec 2005
Location: Brisbane, Queensland, Australia
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I agree with everything everyone has said except for two things.
I really want to honor your feeling about wanting to have some fun with the big chunk coming in. I think you can do alot to balance all the needs, glasses, seat belts, and then, of course, the bulk going to eliminate the pressure of that debt.
But I don't see any reason why you shouldn't celebrate the way you are taking care of your finances by taking a tiny bit of the chunk and going out for a family dinner or something.
I would also recommend that you give part of it to someone less fortunate than yourselves. When we're so pressured by these difficult financial situations, it's hard to think about other people who have it even harder. A small donation - even $25 - helps ease up the feeling that things are so tight for us, we can't help others. But we can really and it plants a fantastic seed in our hearts to believe that we can get out of debt AND be in a position to take care of our less fortunate community members. I think it's very empowering to look money in the face like that and not let it steal our power of humanity.
I spent 10 years as single mom struggling after every penny and I really made my kids feel bad (I wasn't trying to but they could see my struggles)when they needed clothes or school funds because I let money rule my mind. Now I let feeling happy rule my mind and even though we don't make a dime more than we did then, we seem to be able to pay all our bills, give to others, and stay out of debt. In my "old age" I hate to see younger folks struggling with money. Keep some balance, take a deep breath, and buy what you need, pay off some debt, celebrate your commitment to being debt free, and feel the ease of mind to be able to halp someone less fortunate than yourself.
I congratulate your commitment. I'm really happy that you'll be getting closer to your goals!
American in Australia; fiber artist; craft blogger; 2 grown kids; Aspergers