
Our struggles with debt started before we even got married. Going into marriage, we both had a good bit of debt, and because of it, we did not have a big wedding. In the five years that followed, we built up $40,000 in debt. We had credit card debt, a repossession and car loans. Things got really difficult, especially when I lost my job.
Even in the midst of trying to pay off our irresponsible debt, we also incurred significant debt to the IRS and the Georgia Dept. of Revenue, which was by no means an irresponsible debt, but still more debt nonetheless. Then, my husband Carl lost his job due to an auto accident while on the job. At the same time, our tax bills got higher. And, as a result of the accident, we incurred quite a lot of medical debt. Things were so bad financially during this time, that all we could afford to pay each of our creditors was $10/month. We felt so hopeless… It felt like nothing was working. But, we really started pouring our hearts out to God in prayer…a lot, asking God to help us with the mess we were in.
Then, after about 10 months of this, God totally blessed us with all the funds to pay off our debt! We received an insurance settlement as a result of the accident that provided us with the funds to pay off all of our debt, including our car payments. And now, we are 100% debt free!!! And, all the glory goes to God!!!
I can’t even begin to explain how humbled and grateful we are for this blessing from our Father. As we look back over the last couple of years, I remember the verse where Jesus says, “…you were faithful over a few things, I will make you ruler over many things.” (Matt. 25:21 NKJ) That rings so true for our situation. Looking back, we see that if our debt was all paid in full years earlier, we still would not have been mature enough to handle it. 
But because we had to endure it for even longer, we now know what TRUE FREEDOM is, and that we want to live debt free. No more stupid decisions, and blowing money! We are doing things the Dave Ramsey way!!!
And even now, after we have become debt free, we also see doors have been opening financially that we would have never expected. We see that being good stewards of our money definitely has its rewards! ~ Shannon & Carl K.