Debt Free, Family, Motivation

Yet Another Motivation For Keeping My Financial House In Order

Our youngest daughter is in the hospital.  She’s been there, with my wife, since Sunday morning.  She has a stomach virus and the doctors are waiting for her body to regain its strength before they dismiss her.  Hopefully, she’ll be able to coming home soon.

Driving back-and-forth between the hospital, I’ve had a lot of time to think.  (I’m watching the other kids while Mommy spends the night with baby girl.)  Three years ago, we went through a similar experience with my son.  But, unlike baby girl, who is only three months old, he was fourteen months old.

When our son got sick, No Credit Needed was a relatively new site, and we had just begun to pay off our debts.  Now, three years later, we are debt free and we are in substantially better financial shape.

Of course, no matter our financial situation, I’m still worried about our little girl.  But, because we live on a budget, maintain an emergency fund, and have health insurance, I’m able to focus my attention and help my wife, care for my kids, and love on the baby.  Instead of wringing our hands, thinking about how we are going to pay for gasoline to drive back and forth, medicine for when the baby gets home, babysitters to watch the kids, or our portion of the hospital bills, we can actually think about what’s really important – helping baby girl get better.

Money may not be able to buy happiness, but it can provide peace of mind.  If you are thinking about getting out of debt, I hope that this article will serve as a little added motivation.  I cannot tell you how good it feels to be debt free – but I’ll try!  It feels awesome.  I feel in control.  I feel empowered.  Instead of worrying about creditors and payments, I can focus on the future!

I strongly encourage you to get out of debt and live on a budget.  If you need a little help getting started, may I suggest the following –

33 Days And 33 Ways To Save Money And Reduce Debt

Free Online Debt Reduction Guide And Free Debt Reduction eBook

For those who are new to the site, you might be interested in my debt reduction journey.  Click here and you can read follow milestone posts, from the first post to the day I declared my freedom –

How I Got Out Of Debt: Follow The Posts

27 thoughts on “Yet Another Motivation For Keeping My Financial House In Order

  1. My wife and I just went through a similar issue. Last week my father had to have emergency heart by-pass surgery. It was all of a sudden and we were able to just pick up and go. i used some vacation time, and my wife is a stay at home mom.

    We are also debt free (except for our mortgage) and live on a budget. We didn’t have to worry about the money, we just went. It was a huge relief to not have to wonder how were going to pay for it… we have an emergency fund too! As it were all we ended up needing to do it to make a few adjustments to our monthly budget and we never even had to dip into savings!

    I’ll echo NCN, when you are debt free and a family issue arises you can focus on what is truly important. We have been back a week and the finances spent for the trip are a non-issue… in fact I had forgotten about them until I read this post. For those wondering, my father came though with flying colors and is back home now.

    Being debt free rocks!

  2. My thoughts are with you and your little girl. It’s always scary when a child is in the hospital, but I’m glad to hear that it sounds like things will be ok.

  3. My thoughts and prayers go out to you and your daughter, NCN… The fact that you are able to focus on your family in times like this should be an inspiration to all those who are working towards freedom from debt. I am one of them and I thank you for your post! 😉

  4. I’m so sorry to hear about your daughter, but it sounds like you and your wife are really making a team effort with the family and taking care of her. I hope that everything gets cleared up quickly and she can be home with her family!

  5. My thoughts are with you and your family. Hope your daughter gets better soon!

  6. I wish her a speedy recovery. I will keep your family i my thoughts and prayers. I’m glad your financial situation allows you the opportunity to focus on your family.

  7. My thoughts and prayers are with your family. We just got back home from our 4th hospital stay in 1 year with our little one. I know what you are going through.

  8. I hope your little girl gets better soon. It’s so hard for a parent to see their baby (no matter how old they are) get sick.

    Glad that your finanical situation is allowing you to focus your time and energy on your family rather than worrying about how you’re going to afford this or that. I’m a big advocate of the emergency fund and it’s a big reason why my husband and I sleep well at night.

  9. I want to thank all of you for your prayers and well wishes. We are still waiting for the specialist to arrive – hopefully, he’ll have good news (or at least let us know what might be going on…)
    Blessed by your thoughts,

  10. Sorry to hear about your baby girl. I’ll pray for her recovery and for your strength to continue through this.

    We just got my 13 year old daughter out of the hospital this past weekend. She’s been diagnosed with Crohn’s disease and will have to battle it for the rest of her life. It isn’t easy seeing your children suffer through pain, but I know I have to be strong and supportive of her.

  11. You family is in my thoughts and prayers. Best wishes for a speedy recovery for your daughter.

  12. I applaud you for being able to see a positive in this situation (not needing to worry about more debt) and I wish your daughter a speedy recovery. Blessings,


  13. Great advice, I’ll be keeping your family in my thoughts and prayers. I know that medical concerns are especially tough with such little people.

  14. Praying for your family. As a mom, it is a great feeling knowing that the other kids are being cared for and there is financial security, so all the focus can go on the sick child. You sound like a great husband and father!

  15. So sorry to hear about your daughter. Hope all goes well. You and your family are in my thoughts and prayers!

  16. Hi,
    I just wanted to drop a note to let you know that I hope your daughter has a speedy recovery.

  17. So sorry to hear that your little one was sick – I read your recent post that she’s fine now, and I’m glad that everything is ok 🙂

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