Cash Only Days Ahead

Jarett and I have been reading and studying the Dave Ramsey book, Money Makeover. It is such an amazing way to get you thinking back to the simple days and how to get your money back in control. We have struggled really hard the last six month. We started his program and we can celebrate because we have paid for:

* all our medical bills (total of $600, which to us was a lot)
* 4 credit cards
* got caught up on all bills so no more late charges :)

We also have our emergency fund in a seperate account.

We have 2 more things to pay off by the snowball effect. We anticipate it to take us about 12 - 18 months. Our next plan is to pay off our car and 2nd mortgage. That should take us another 24 months. So in about 3.5 to 4 years we will be completely debt free. I definitely see the light at the end of the tunnel.

Now we can make it go faster by selling some things, which we may do. But, as of today, we found in our account a little over $1,000 missing. I pulled up our account and found charges to a vet ($200), Pizza Hut ($107.23), 3 separate charges to Great Britian ($200 each) and a charge to the same place in Great Britian ($100). On top of that, we have 4 charges of international fees that our bank has charged us. The scarey thing is no one at our bank alerted us of these weird charges.

Using my detective skills, I found the vet and called them. They pulled the reciept and information about this lady and man that posed to be us. The vet clerk said she remembers this lady very well because she thought they were acting weird. Since the lady was acting weird, she got copies of her driver's license and other information. The sticky part of this is I have a class tomorrow and Wednesday from 8:30 to 3:30. During this class, I will have to find time to call the police and make a report since we have some information about a particular person. Then I will have to race to my bank to file a claim and hopefully get all our money back quickly. I have canceled my debit card (yes, it was my number off of my card - it matched to the vet's receipt), so it's cash for me. Now, that's not the problem because Dave Ramsey says you should only carry cash for your spending. But, I have all but 2 medical bills that were pending to be paid. From what you ask? My debit card! I pray that they still get paid so I don't have to get a letter from our bank to prove about this mess. I feel fees are coming at us.

SOOOOOOOOOOOOOOOOO...........

I was celebrating with our accomplishments and now I will have to deal with this mess to keep it going.

I just feel like since our twins have come home, Satan has been at our back door. We listened to God and adopted these wonderful twin girls and Satan is not at all happy with us following God's word. We can't seem to catch a break for longer than 2 days. Satan should already know that we aren't giving in and he needs to leave. We will not let him conquer us. God is going to take care of us, so he can do what he wants.

I usually don't ask for prayers, but if you have some extra time, we would appreciate any good thoughts and prayers about this mess cleaning up quickly, so we can continue our path to being debt free! :)