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I Remember

written by Bob Lotich, CEPF® | Budgeting, Debt Help, Managing Money, Simplify

I Remember...I remember wanting to have millions of dollars, so I could spend it all on myself.

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card.

I remember sitting in a broken down car, 1,000 miles from home, with no money, and no one to call for help.

I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes.

I remember being so frustrated when I realized my soon-to-be-wife and I needed to rent an apartment instead of buying a house because we couldn’t afford to buy a house.

I remember getting married and looking our $47,000 of debt and wondering how in the world we would ever pay it off.

I remember laughing at the idea that I could give away a million dollars.

I remember meditating on and clinging to Phillippians 4:19 with all I had.

I remember making sacrifices – like spending no more than $45/week to feed my wife and I – so that we could scrape together just a few bucks to try to pay down debt.

I remember the ironic observation that money doesn’t solve money problems.

I remember calculating our net worth for the first time to discover that it was NEGATIVE $13,843.84

I remember reassuring my wife that all the sacrifices would be worth it eventually – even when I was wondering the same thing myself.

I remember listening to Dave Ramsey and thinking to myself, “I can do this!”

I remember not being able to buy gifts that I longed to and felt social pressure to buy, because we didn’t have the money.

I remember when I had to step out in faith and give beyond my means.

I remember the excitement of paying off my first credit card. We jumped, danced, and shouted for joy at our minuscule first step of progress.

I remember how thrilled I was when I realized that we finally had a positive net worth! A total of $746.07

I remember the day it dawned on me that this Debt Snowball thing really works.

I remember the awkwardness of not being able to go somewhere with all my friends because we couldn’t afford it.

I remember struggling for months to get a budget set up and how I felt on top of the world when I finally got the budget working.

I remember only being able to pump a gallon of gas into the car, because that was all we had until the next paycheck.

I remember praying to God and watching Him do the impossible in our lives.

I remember going out to eat with friends, but not ordering anything because we didn’t have the money in the budget.

I remember paying off our car and receiving the title from the bank and the joy of officially “owning” our car.

I remember starting a home-based business to help us get out of debt faster.

I remember having our transmission go out and trying to figure out how we were going to survive with one car.

I remember seeing my boss break into tears as he told me my department was no longer needed, and being very thankful that I had started an emergency fund.

I remember how comforted I felt by having our financial life in order.

I remember going out to dinner with Linda (an extremely rare occasion) as a celebration for paying off our last credit card.

I remember the thrill of having enough money budgeted to afford Christmas gifts for everyone.

I remember the sweet satisfaction of moving into our house after living in a one-bedroom apartment for 5 years and being able to plop down a 15% down payment on the house.

I remember having my car break down and it NOT being a life-altering problem like it would have been a couple years earlier.

I remember the moment I realized that maybe God could use someone as simple as me to give away millions of dollars over my lifetime.

I remember the day we finally paid off my $17,000 student loan – our last remaining non-mortgage debt.

I remember dreaming of a day like today – debt free, happily married, and living with purpose – and I am thankful that I didn’t stop fighting for it.

What do you remember?

Let me know in the comments below…

Related posts:

  1. Our Honest Medi-Share Review after 14 years
  2. Why I use credit cards instead of debit cards or cash
  3. How to save $1000 (in 1-3 months)
  4. The 3 best investing lessons I learned from my millionaire mentor

About Bob Lotich, CEPF®

Bob Lotich, CEPF® is a Certified Educator in Personal Finance and has over 15+ years experience writing about Biblical personal finance. He is the award-winning author of Simple Money, Rich Life and has been named a top 20 social influencer in personal finance. Check out his on-demand Christian financial class for couples, small groups and churches called True Financial Freedom.

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

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The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

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