The first picture is one taken of my faithful car, 2004 V6 Kia Optima (complete with sunroof). The following picture is what my family is doing right now as we speak!
Oh yes, Mom, Dad & Sis are on a 7 day cruise to Montego Bay, Grand Cayman & Cozumel. That's JAMAICA, CAYMAN ISLANDS and MEXICO!
I had a difficult decision to make a few months back: Join my family on their cruise (Dad was going to allow me to pay $50 a month until paid back), OR, put those fifty dollars towards paying off the shiny, black beauty pictured above.
As much as I struggled and debated, I decided to strive for debt free over a luxurious trip that I likely would have enjoyed every minute of (while digging into deeper debt.=) I even sought the advice of my facebook fam & received more response than usual on a status update, each alluding to "If you don't go, I WILL!" Well then, I know I did what Dave Ramsey would have told me at least! haha
Friday was a bittersweet day, they left for their port in Galveston, TX and I made my final car payment. It's ironic how the timing worked out that on the SAME DAY these two events would occur. I must say, the feeling of knowing my car is paid off TRUMPS that of driving 9-10 hours to Galveston, TX. (we wont discuss the portion of the trip that follows that long car ride though :)
Besides, when I go on my next cruise, I want to BE at goal weight. I want to feel good at the formal dinners. I want to be confident while enjoying the sandy beaches. I want to be proud when I scrapbook and share my vacation pictures!
In addition, I've earmarked what "would have" been my next monthly payment to purchase a brand new Mountain Bike. Let's just call it an "investment" in my health for paying off my car. It's a way of spicing up my cardio workouts. A way of reaching that "cruise weight," faster. PLUS, that will be a one-time payment rather than a 6 year loan. Going forward, for as long as my car will hang in there with me, I'll be pouring that payment into my savings in attempts of building up what is now virtually NOTHING.
IDEAS FOLKS? Who likes bike riding? Where should I go to get a bike? What should I look for in a bike? What price range should I shoot for? What features are necessary & unnecessary? Any bike riding tips? Any and all responses appreciated...
The only thing I'm certain of is that this year I want to be debt free AND I anticipate participating in the Lenexa Midnight Bike Ride. (haha) I've heard about how fun it is from friends who've rode and this year I'm determined to share in the festivities. I'm not even sure of the distance of the ride, I just know I want to be there!
Verse of the Day:
Deuteronomy 28:12-13 (NKJV)
"The LORD will open to you His good treasure, the heavens, to give the rain to your land in its season, and to bless all the work of your hand. You shall lend to many nations, but you shall not borrow. And the LORD will make you the head and not the tail; you shall be above only, and not be beneath, if you heed the commandments of the LORD your God, which I command you today, and are careful to observe them."