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Posts Tagged ‘My Life’

Last night I was laying in bed, thinking about the day I could call the Dave Ramsey show and scream “I’m Debt Freeeeee!!”. I started to wonder what I might say to Dave when he goes through his normal questionnaire and it went something like this…..

Dave: We have Mikki from Detroit on the line “Whats up Mikki”

Me: Hi Dave how are you?

Dave: “Better Than I Deserve” “How can I help?”

Me: Well Dave I am calling to let you know I’m debt free!

Dave: Alrightttttttt!!! “How much did you pay off?”

Me: $35,000 In 18 months

Dave: Wow making what kind of money??

Me: I started out at $35k a year, I picked up a part time job and also started working my real estate business and now I am half way through the year at 55k!

Dave: Wow thats amazing, so what made you decide to get out of debt a year and a half ago?

Me: Umm well, I had just turned 25 and had just purchased a house, I was driving a 20,000 car making about 28,000 at the time. In December I got into a car accident and smashed the front end of my car, thankfully no one was hurt but, the car had no insurance on it. At the time I was driving an hour each way to work and one thing after another started to happen. I almost lost my job, and the car ended up being taken from me because I couldn’t afford the payments. I was so overwhelmed with the new house and bills that I thought about taking my life. So I was sitting at work one morning and my mom called me, she said hey they are offering FPU at a local church up here in Detroit, maybe you should check into classes in Lansing (Which is where I work). I was like ok here she goes with this Dave talk stuff again! But at that point I pretty much had nothing more to lose, I really did feel like Job in the bible and that I couldn’t lose any more than I had already. So I searched for my zip code and found a class at a church that actually started that very next day Dave.

Dave: Wow thats amazing

Me: Yea so I called the coordinator and shared my story and he said the class would be perfect for me, and since then I have never looked back.

Me: And Dave you know how you say Murphy moves in right when you start the program, well he did because about 3 months later I was forced to move out of an apartment that I was living in with a friend of mine, I had been saving for BS1 and I had to us that money to find a place. Had I not started the program I would have been a total wreck when all that happen.

Dave: Wow what an amazing story Mikki, so what would you say the hardest part of it was??

Me: I would say being made fun of but after a while It didn’t bother me anymore.

Dave: So what was the last thing you paid off.

Me: Sallie Mae

Dave: Ah good ole Sallie getting kicked out of the spare bedroom.

Me: Yup

Dave: So now that you have been through the process, what do you say the key to success is”

Me: The key is have an accountability partner and being Gazelle intense, I became friends with someone on MTMMO His name is Brad “Hi Brad” We have become really good friends and I think having someone to share that experience with you is the greatest thing, but it doesn’t work if they aren’t as Gazelle intense and Brad is the poster child for the Gazelle. Also Dave I want to thank my FPU coordinator and everybody on the Total Money Make Over forums, Those are the coolest people around!!!

Dave: Ahahaha thats awsome Mikki, so your 27 now with out a payment in the world except for the house, you are so weird now!

Me: Yep I know I feel weird!

Dave: ahaha, so what do you say to those 25-30 year olds struggling to make it?

Me: I would say they should know they are not alone and to pray as much as you can. God doesn’t put more on us than we can bear, and you have to put your trust in God 100%. The program gave me hope for my future because before I didn’t see my life being anything, but now I see a bright future and I can show others that they can do it to. Its important to have friends and family around you that love you because if it not been for my mom, and my best friend I would not be here today.

Dave: Mikki thats great advice, so you ready to count it down?

Me: Yea, 3, 2, 1 I’M DEBT FREEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!

Dave: Yeaaaaaaaaaaaaaaaa That is how its done folks!!!

(insert tears)

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