While on our debt free journey, we learned the true power and meaning of sacrifice and delayed gratification. Evaluation of each stumbling block becomes critical to determine your plan of action. Is this a show stopper or can I make a sacrifice. The reality is, the question isn’t if something will go wrong, it is when! This is one of the reasons an emergency fund is a must. Our emergency fund is in place but we have no intentions of ever touching it. So how do we deal with speed bumps and potholes that could set us back? We make some tough decisions in a lighthearted manner…we play the game “deal / no deal 🖲”
It all started at the beginning of our journey when Dwayne said “let’s push back our debt free start date until after Khamir was born”. His concerns were valid because we had a lot of upcoming expenses which included a newborn, a previously booked trip to NYC, back to school expenses and to top it off, I wasn’t eligible for maternity leave or pay from work. All of the above brought me to start a DFJ in the first place. I thought about it and …… 👀🤔🖲 no deal! I couldn’t fathom pushing back the date and delay getting us out of this mess. We came up with a plan and took action. Dwayne did every side gig available and I kept back all my vacation days and worked right up to the day before I gave birth in order to use my vacation as maternity leave. We got through it by the skin off our 🍑.
Fast forward to December 2018 – January 2019, Mr Debtfreecaribbean (Khamir) had a horrible skin flare up that refused to go away. We were at the dermatologist at least 3 times a week for 2 months. Due to many application issues, there was a delay with adding him to our health insurance so all his expenses were out of pocket 😩😩 Would could have taken money from our payments but….👀🤔🖲 no deal! Our medical sinking fund was depleted but we got scrappy and leaned on our bare bones budget (our basic expenses, no fluff). Doing this allowed us to cash flow his medical bills and continue to pay debt.
April – May 2019 Dwayne got the chicken pox, Khamir’s skin was acting up again, I got food poisoned 🤯 we were dropping like flies and the medical bills were rising. It would be a lie to say that pausing our journey didn’t crossed our minds, but……. 👀🤔🖲 no deal Howie!…we were prepared this time; our medical fund was replenished and we used that money to cover these bills.
Feeling pumped about our progress and excited about the road ahead, we were cruising by but Murphy got vicious and came for blood. June 2019 our solar panel started leaking and went bum 😭 $1200 to fix or $2400 to replace. This one was ‘rough to all’, no hot water with 4 young children?! Well played Murphy 👏🏾, well played 👏🏾. I threw in the towel immediately “yeah fam, you know I don’t do cold water, let’s ease up on payments”….. Dwayne: 👀🤔🥶🖲 no deal! It is now December and cold water is still here, OMG we are all sick of it but this has become another motivator. The faster we pay off debt, the sooner we can get hot water 😫.
Closing the year 2019, there are a few household items that need to be repaired and replaced. It is customary for us to go broke every December trying to fix and beautify everything before the holidays but this year we decided to be different, so again …… 👀🤔🖲 NO DEAL Howie and BACKUP Murphy 😡!
These are just some of the roadblocks we’ve faced and how we dealt with them. Our goal is clear and we are laser focused on becoming debt free, albeit a little discomfort along the way.
What have you sacrificed to jumpstart your journey?