ONE YEAR LATER


Today is Martin Luther King Jr. Day. This day honors a very important man in American history. Without the hard work of Dr. King, the America we know today would be a lot worse. His nonviolent approach to change is respected and is the way all change should be sought after.


This also marks an important anniversary here at DF&F. It was one year ago today that we last used credit. That's right! One year credit card free. We charged a hotel room in Chicago on MLK day in 2006 and we decided shortly after that to never borrow money again. As tough as that new mindset has been, we have struggled through. We heard many things about how one cannot live without debt and about how it is impossible to live without a budget. We persevered through the year on Dave Ramsey's plan and by tightening the budget. We had a garage sale and a flood and even had a $1200 repair on our van, but we made it through without credit. I pray that 2007 will be even better and we will never need to borrow money again.


We only have the Lord to thank for this. He has provided all of our needs and has taught us why it is important to manage His money better. We are on our way to becoming better stewards and hopefully we will be able give more and save more in the future.


Credit cards reek!!