Home » The Power of Debt Freedom: Ruth’s Story

The Power of Debt Freedom: Ruth’s Story

I’m honored to be able to share another debt freedom story today; that of my friend and blogging co-hort, Ruth. Ruth is not only a friend, her and I co-own another site, Fruclassity. Ruth also blogs at her personal site, Prudence Debt Free. I know Ruth’s story will resonate with many of you. Enjoy!

P.S. If you have your own debt freedom story to share in order to motivate and encourage others, feel free to email
me via our Contact page and I’ll give you the scoop. We’d love to share your
story of  victory over debt! 


  1. This is wonderful! Congrats on making it through all of that, Ruth. 🙂

    Mr. Picky Pincher and I both came into marriage with debt, which made it impossible to save money at the end of each month. We went through a lot of growing pains, but we’re finally getting the hang of it. Starting this month we’re paying off $65,000 of student loan debt in 18 months. I’m so excited to be done with it all!

  2. Thanks for sharing your story, Ruth! And I love how you mention that your shared goal and communication about money with your husband has “done wonders” for your marriage. I think those shared goals can improve any marriage. I know it definitely makes a positive impact on my own – I can’t imagine it any other way! 🙂

    • Thank you, Amanda. So often, the great experiences of life come from the mundane. Diaper-changing and nose-wiping are part of the great life experience of parenting. Budgeting and tracking are apparently part of the great life experience of romantic love. Who knew?

  3. Hold steady and keep focus – is such an important tip. I am guilty of being impatient and can lose interest, especially when things don’t go smoothly. And when you’re paying down debt or accumulating wealth, stuff always happens, which makes it easy to quit or lose hope. Too often I see people make it sound so simple and effortless. The reality is that you gotta be tough because the steps may seem simple but the execution (and life) is rarely easy and pain-free. You need to be both mentally and financially prepared to deal with it. Congrats on living debt-free!

    • I remember Dave Ramsey saying about his steps to debt-freedom, “They’re simple – but not easy.” Like you, I’ve had to confront my impatience many times on this journey to debt-freedom. That’s where the “tough” part comes: facing that flawed person in the mirror and saying, “Don’t be so impatient! Wait. Stick to it.” I’m so glad that perfection is not required for progress : ) All the best on your progress, Tanya!

  4. Tip #1 is a really good one – you have to know what your situation is if you plan on making changes. For example, if you don’t know your total debt or interest rate on your debt, it’s going to be difficult to make positive changes that result in paying off that debt. Good tips!

  5. I still remember when I paid off my mortgage in December 2012. At the time it was a good feeling but it really didn’t sink in until month’s later. Now that’s it gone I can’t imagine ever dealing with a mortgage again!!! Thanks for sharing your awesome story!!!

    • Thank you, Mustard Seed Money : ) I think we’ll be in shock mode for a few weeks anyway once that mortgage is all gone. It’s been our focus for so long. There will be a “What now?” sense, I think. You’ve had debt-freedom for as long as we’ve been trying to get out of debt. Enjoy!

  6. Hearing Ruth’s story never gets old. It just shows you with team work, focus, and motivation you can overcome past mistakes. We were in a similar boat, and used Ramsey’s teaching as a spring board. Now we want everyone to know what we know.

    • I want everyone to know too, Brian! I always ask , “What would it have taken for the head-in-the-sand me to have paid attention to good advice about paying off debt?” – and go from there. Hopefully, someone is benefitting : )

  7. Erik says:

    Ruth, congrats on your progress. You realize that debt is bad and it is necessary to eliminate it at all costs!

    After you pay down your mortgage, what are your plans? Do you intend to invest future savings in, say, real estate, equities, bonds, internet sites, etc? Are you going to figure that out when the time comes?

    Looking forward to hearing about your success in the new year!


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