Hello All, this is Brad's wife, adding my thoughts to his blog for the first time, so here goes!
It's been quite a journey, albeit a short one so far, of getting out of debt. There's always something to think about, talk about, something we could be doing MORE to make our debt go down faster. Brad and I are both of the opinion that the faster we can get out of debt the better, because only then will we have greater financial freedom and be able to do more, whether it be traveling, house updates etc.
Throughout this journey, we've encountered a variety of opinions on getting out of debt, from the supportive to the skeptical to the let's change the subject as quickly as possible response. One response that stands out in my mind is from a co-worker. After thanking him for a gift card as a Christmas present, I told him that Brad and I could finally have a date night! He scoffed at my response and said why don't you go on more date nights, you're young and childless, what are you waiting for? I then informed him that we were trying to get out from under our student loans, and that means eating at home more and not going to movies or fancy date nights. He then laughed and laughed and said that debt was a part of life, and that the sooner I realized that the sooner I could go about enjoying my young marriage and child free life.
This made me pause but went on with my day. After reflecting on it later, I realized that this mentality is prevalent in societies everywhere, but especially in the United States. We rack up thousands of dollars on credit cards, we buy houses and cars we can't afford, and we take out loans for vacations. This lifestyle has become the norm, and it's something I don't think we should settle for, and it's something that Brad and I won't settle for. I hope that moving forward, especially after seeing our country these past few years, that more people can choose a debt free lifestyle and not one that ties them to a life of financial stress.