Monday, September 20, 2010

An Easy Stroll to The Mailbox

"In the house of the wise are stores of choice food and oil, but a foolish man devours all he has." - proverbs 21:20 ( isn't that like living on plastic? )

Know what feels good? I mean feels really, really good? Not having any payments due on my motorcycle. Is your motorcycle paid for? I paid cash for mine lock stock and barrel. I went to the mailbox a little bit ago and there are no bills in it from someone dunning us for money. No threatening letters of pending doom if we don't pay up on something by Friday. None of that "When can we expect payment Mr. Wooley" or harassing phone calls in the evening and on weekends. Nope, nada, nothing. Heck, the only bills we get are household and utility bills. Days go by now with nary a thing in our box, sometimes a week or more, well, except something like a Papa John's add or something.

Wasn't always like that for us but it is now. We've worked hard and long on paying things down over the years while others vacationed and played we stayed near home. If we wanted something we thought about it for a few days in most cases and found that mostly we would come to the conclusion we didn't really need it. If we still wanted something we found a way to pay cash for it. Not always in the beginning but we figured it out while others kept piling it on the plastic. Putting something on lay-a-way can actually be pretty fun in that the excitement builds and lasts longer like waiting for that Christmas present to arrive in the mail then having to wait still longer before opening it.

My truck is payed for, payed cash for it, my motorcycle is payed for, paid cash for it too. My wife's car is payed for, we paid it off early and my son payed cash for his car. No we're not rich by any means, in fact money wise we're probably poor in some eyes. Every year at my wife's insistence we take any tax return monies and paid down bills with it. While others went out and blew it my wife and I would sit down and she would point out what we owed or needed to catch up on. It was tough for the both of us because we wanted to do things like everyone else was doing but she kept telling me our day would come. Sometimes it was me saying lets hold off but honestly it was her most the time. Credit card bills. We don't have any credit card bills; paid them all off over time and the last one just a week ago.

Unlike other people around us we had severe hospital bills to pay for several years. people didn't believe it when we told them how much we had to pay and that I was paying a thousand dollars a month out of my check for coverage. But that's all water under the bridge and dry land for us is within an easy swim now. Our biggest bill is our house payment, and that is our only have to pay bill. I don't buy into that credit score mess. We have a home and that gives us a great credit score right there. If we were to need a loan and were turned down because we don't have enough debt so our "Credit Score" was not to their liking...well, then we'll just go somewhere else.

While we know people who are deep in debt because they played like there was no tomorrow and snickered behind our backs, well yesterday has caught up with them. So it feels pretty damned good to be in our position in this very trying of times. A little breathing room is a fresh breath of air.


FLHX_Dave said...

I knew I liked you for some reason. Want to know what the meaning of life is, or what freedom is? All anyone has to do is read this post you put up and they will understand both.

Good for you, good for you. I love this bit and if people lived this way then we wouldn't be in the mess we are in.

I feel good after reading this. You have no idea how good this made me feel bro. Thanks for being honest and letting it hang out. Man, I wanna feel this myself...almost there.

WooleyBugger said...

Your welcome Dave, It wasn't easy but we got it done sooner than hoped.

You'll get there easier now with BB to help keep you on track.

"Behind every great man is a great woman"
This saying has been mis- understood I think for a lot of years. Feminist feel it means the woman is less. What it means to me is that your partners and can accomplish and overcome anything together with give and take. The key word is together.