I paid our bills yesterday and one of them is a portion of our mortgage payment. I was looking at the balance was surprised. I usually check it once a month, but it slipped my mind in December.  When I checked it today, I was floored. So many things flooded my memory of what we have gone through. Here are just a few;

1. We are a single-family income with 5 people that make well below the national household income.  Before the birth of our 2nd child, Sara and I made the decision for her to be a stay-at-home mom.  Sara was miserable at work and she was missing out on all of the milestones with our oldest. She had dreamt for most of her life of being a stay-at-home mom. One day, she came home and was just beside herself about her job. I told her to quit after her maternity leave. On October 6, 2009, Sara became a stay-at-home mom.  When you have three children, the cost never really goes down. There are doctor appointments, dentist appointments, clothes, school, sports, etc. There is no end to the expenses that you have!
   
   
2. We are debt-free minus the house. On February 29, 2012, we paid our final debt off after one of many major events that happened in our lives. In July the previous year, I was involved in a car accident that totaled my vehicle. A few months later, our only means of transportation which was our van blew a head gasket. At this point, I wasn't making much more than $30,000 annually. Needless to say that we were broke. In the winter, we had someone bless us with a check and asked us to buy a car. It was a good amount for an older, used car. I searched for several weeks and just could not find one that I was at peace. In a last-ditch effort, I put on Facebook that I was looking for a car. I received a message from someone who was selling two and asked if I was interested. They sent me pictures and I was less than impressed. However, I felt that I needed to at least give it a try.
   
   I looked at one of the cars and immediately felt that I was supposed to buy it. I shot him a price and they took it. After writing the check, I drove the car home. Ugly as sin, the car drove like a dream. I got to the house and did our checkbook. I balanced the check that the person gave us with the check that I had just written for the car. The difference between the two left us with plenty left over. I had a thought; "I

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