Our journey out of debt began in December of 2008 when I asked for Dave Ramsey's Financial Peace University home kit for Christmas. My husband begrudgingly agreed to sit down each week and go through the lessons with me.
I had been trying to work Dave's plan on my own and was making progress, but not as quickly as I would have liked. DH was agreeable to it as long as he didn't have to be involved too much.
It only took a few minutes of the first lesson for DH to realize that this was not your typical, boring personal finance program. He enjoyed Dave's teaching. He laughed at Dave's jokes. He even did his homework!
At that point our debt repayment accelerated. We started out with over $7,200 in credit card debt, $9,800 in a 2nd mortgage and over $14,000 for a car loan.
DH worked a LOT of overtime in order to pay the debt off as fast as we could. It was really rewarding to see those balances go down when all we'd been doing was watching our debt amount go up for years!
We now are facilitators for Financial Peace University and enjoy watching others change their lives as they regain hope that there is life after debt!