My wife and I have been practicing debt-free living for years now.* I say practicing because it takes discipline to reach and discipline to maintain. So here are eight encouragements or benefits that we have discovered when it comes to debt-free living.
1. Freedom: My wife and I feel so free – free to give, free to purchase and free to save for the future. We have more money to do these things rather than being enslaved to and feeling the pressure of our debt.
2. Ownership: Owning your car or your house is an amazing feeling that continues the feeling of freedom. You will have less stress in your life. Who doesn’t desire less stress?
3. Agreement: You will have and discover a greater sense of agreement in your marriage and your family. If you’ve agreed to become debt free and you reach that goal, what else can you agree about and reach?
4. Children: Your children will see you more often. You will not feel required to sign up for all the overtime you possibly can. And besides, you’ll be an amazing financial example to your kids, your family, your friends and your neighbors. If you can do it, you’ll be helping them to believe they can too.
5. Opportunity: Becoming debt free automatically provides better opportunities to give more money away, to help someone in need. Rather than feeling that feeling of tightness, you will be looking for and watching for investment opportunity to increase your finances and have the cash to do so.
6. Security: You will be and feel far more secure. Debt increases the feelings of insecurity and rightly so. You may be one last paycheck from disaster with an ongoing debt load. While being debt free there is far less fear of financial disaster and crisis.
7. Servant: The Scriptures tell us that the borrower is a servant to the lender. Whose servant are you? To be debt free is to not be encumbered by enslavement to another. You are literally no longer enslaved to your job or the next unexpected car repair or house repair bill.
8. Savings: You will grow a savings account and an emergency fund faster. Your retirement savings fund will grow faster. Your college fund for your children can grow faster. Every savings fund can realize increase when you are no longer borrowing and having to pay back another co-owner with interest.
And if all that’s not enough to convince you, how about this? You will have less arguments over money in your life. If married, you and your spouse will enjoy less financial disagreement and more financial agreement. You’ll have more resources for eating out along with short and long-term vacations or mission trips. Living debt free loosens what has been wound tight for so long. Purpose in your heart today and begin taking steps to become debt free. You’ll never regret it.
*A point of clarity concerning living debt-free is investment for growth. Some consider investments that grow in value, like real estate, to not be debt. I would consider it debt with the opportunity for growth/gain in value or perhaps “good debt.”
What is your marriage story? How did you meet and how did you know when you fell in love? What were the things that brought you together? As you identify your marriage story and what brought you together, you can also identify the things that will keep you together.
I would be devastated, overwhelmed and heart-broken if my daughter suffered any kind of abuse from anyone in any fashion. I would give my life to make sure that did not happen. Further, I would be equally broken and horrified if one of my sons was falsely accused of abusing another. Having raised my children with very clear values and boundaries, I would believe them if they told me abuse occurred or did not occur.
In these times we are hard pressed to find any moral guidance coming from Washington DC, even as governmental leaders call for morality. And Hollywood continually puts out sexually provocative films and then expects morality among its ranks. You cannot have it both ways…sorry.
My grandson often asks me, “Papaw, did you see me _________?” You can fill in the blank with almost anything he does or desires to be noticed doing. It can be really small, but he still wants to be observed. He longs for that voice of approval and praise. It’s a child thing, right?

I had this question posed from last week’s blog, 

Clinical psychologist, Anna Salter, wrote a helpful book titled, Predators: Pedophiles, Rapists and Other Sex Offenders. In that book she said, “Decades of research have demonstrated that people cannot reliably tell who is lying. Many offenders report that religious people are even easier to fool than most people.”
In light of recent news articles about sexual abuse coming out of Pennsylvania, I thought it appropriate to consider this subject in brief.
We don’t spot them because they blend in and we’re not naturally looking for a predator. In fact, most of us can’t even relate to such evil. With the signs above you can watch out for your children within your extended family, your neighborhood, your child’s school, sports activities and yes, your local church.
My grandson often repeats, “Papaw, did you see me…” or, “Watch me…” You can fill in the blank with almost anything he does or desires to be noticed doing. It can be a really small thing, however he still longs to be observed. He lives for that voice of approval and praise. It’s a child thing, right
There’s a new word in town. Have you heard of it? That word is a combination of two words: phone + snubbing = phubbing. Do you know a “phubber?” How would one know if this describes them? You can start by asking your friends. Ask your spouse or even better, ask your children. If people in your life are trying to get your attention while you’re looking down at a small hand-held screen all too frequently, you just might have a phubbing problem.
I just want to scream, “PUT YOUR PHONE DOWN AND LISTEN TO YOUR CHILD!” You brought them into the world to teach, train, listen to, care for, play with and love. PLEASE put your device aside and interact with your child.

I absolutely love being a grandparent. I have been named, “Papaw.” What an honor to hold, to love and to care for these little ones. To hear the words, “Papaw’s home” is music to my ears as it reminds me of when my children were small. I wrote a former blog that called, “Grandparenting a Lost Art” and it is, but it is as well, a second chance.
