Scripture Case Pattern

Sunday, January 3, 2010


Can I just tell you how crazy hard the past 2 years have been for us financially?  It's been insane and it's been one trial of faith right after another.  It started in Jan. 2008 when Tim got laid off.  We had felt for a while that he needed to get out of software sales and we kept praying about whether he should.  The week he started getting his resume ready was the week he got laid off.  I guess that was the answer to our prayers.  We went without any income for 2 1/2 months. He turned down a couple of offers for more software sales positions because we knew it wasn't right.  He then got an offer for Enterprise-Rent-A-Car.  Their starting pay was $11.33/hour...not even enough to cover JUST our utilities and mortgage.  Everyone in the company started out with that position and pay and they only hired from within.  They also require a bachelors degree.  What a freakin' slap in the face for Tim.  He would be making less than 1/2 what he was making at his old job, yet we felt VERY strongly that this was the job he needed to take, so he did.  He worked 60 hour weeks and got paid dirt. 

After 4 months of working there, he rented a car to a guy that was so impressed with Tim that he got Tim an interview at his financial firm.  In comes Cambridge Financial, Tim's current employer.  We knew that taking this job would require a lot of hard work at the beginning and we would, again, be making pennies but would definitely pay off a lot quicker than Enterprise and it was also the type of job that Tim really wanted to do.  He loooooves money whether it's working with it, spending it, or just holding it. 

By the time he got hired on with Cambridge, our savings had run out.  We then went into debt for the first time.  It totally sucked.  Of course, the debt just accumulated more and more every month, but through help from family and the church, we were able to pay our bills and keep our house. 

At the beginning of 2009, we made a goal to have our debt paid off by the end of the year.  We kept praying and praying about whether I should get a job or if Tim should get another job or atleast be able to find more clients so we could make ends meet.  The answer we kept getting was "have a baby".  Really?  A baby?  Don't they cost money?  We can't even afford the 3 of us!  But, we went ahead and got preggers. 9 months later, a beautiful baby comes, yet we still have no money.  We still weren't able to pay down our debt even a little. Tim had some big cases in the works that were taking a lot longer than we had hoped, but we kept holding out hope that one would pay within the next month. 

For a second year in a row, we weren't able to afford Christmas presents for each other and were only able to get Gavin one toy and a couple things of clothes that he desperetly needed (Thanks family, for making up the rest, and thank goodness he's still too young to realize how scrimpy his parents were). 

On Dec. 31, one of the accounts went through...enough to pay off all our credit card debt and have plenty to spare to hopefully get us to the next pay check...whenever that is (a downside of his job).  On the last day of the year, we were able to become debt free (I don't count the house because we have no desire to pay this off.  We're hopefully moving out of it in the next 3 years or so).  The Lord kept his promise and we were able to reach our goal.  

Thank you, Kade for being our pay day. ;) and Thank you to those who helped us survive.  The anonymous gifts of food and money gave me hope and strength and the desire to get out from under this debt even more quickly so that we could pay it forward.  I'm grateful for this trial of faith and finances.  We needed it and we're still learning from it.  I know that it's probably not over yet, but atleast we have our feet back under us and don't have to worry about feeding our kids for a while.


mizkylie said...

What an awesome story Tricia. Love it!

Teandra said...

I hear ya Tricia, I hear ya. The story of our life. Thank you for sharing and providing hope!

Whitney said...

I'm so happy that you are COMPLETELY out of debt. And you meen COMPLETELY, right? I hope so! We're really happy for you, and I'm glad that you are still living in our neighborhood. We'll probably have to move out when you guys do. :)

Whitney said...

Um hi, do I know how to spell "mean"?