The rich rule over the poor and the borrower is slave to the lender. - Proverbs 22:7

My Dear MacKynzie-

It is hard to swim upstream. When everyone around you has credit cards, mortgages and car loans it is easy to jump in and go with the current. Spending more than you have is called getting into debt and that is bad! I hope that I can help you avoid debt and lead by example. 

Your daddy and I started our marriage with over $80,000 in medical bills. We were living paycheck to paycheck and struggled to pay our bills. We brought you into this world having no idea how we were going to afford it. Though you don’t remember, we all worked together to become completely debt free (except for the mortgage.. we are still working on that). We ate many macaroni dinners, purchased used clothes and rarely went out to eat. ‘Things’ became less important to all of us because we realized that we could be happy without them. Our friends all thought we were crazy and didn’t understand our strange lifestyle.

My loving advice to you. Create a budget and stick with it every month. Do not spend more than you make and save for things you want. The lifestyle you can live debt free is so much better. There is less waste, more joy in the simple things and no struggle to keep up with the family next door. You will be able to help others when they are in need, take vacations without the stress of the aftermath and help others learn to do the same. Dave Ramsey has some great tools to help you learn how to ‘live like no one else’. 

My love to you and my prayer for an amazing life!  Live to inspire <3 to create! 

The purpose of sharing this letter is to inspire you. Please ‘like’ if you found this article useful and please ‘share’ if you want to help inspire others. You never know who is watching ;)