Breaking the Chains of Debt, Forever!
The opinions expressed herein are my personal opinions and in no way represent the US Military.

October 14, 2008

Catching Up

Filed under: Debt, Personal — Joel @ 11:36 pm

Please accept my apologies for the lack of recent postings; things were not going good, but thankfully God is good!

I made practically nothing for the entire month of August with Professional Law Enforcement. By the time gas and training venues were paid, literally nothing was left over. Amy and I survived on our emergency fund.

On September 1st we were praying and wondering how in the world we would make it…then my phone rang. First was someone who was sending us money out of the blue. Not five minutes later was the Army sending me to Louisiana for Hurricane Gustov relief efforts. The Army mobilization also allowed me to cancel several classes with low registration numbers and high venue fees; it was really a double blessing.

Since returning from Louisiana we had another person unexpectedly send us more money and a friend dropped by with a ton of groceries for us. I also received a few restaurant gift cards for my birthday.

September was a much better month for Professional Law Enforcement. We actually made money! I spent a lot of time doing individual classes for different agencies and just Friday received two more requests to do the same. I also picked up two instructors who will teach on a regular basis, one starting in December and the other in January. Things are certainly looking great on the Pro Law Enforcement front.

A couple of weeks ago I was at Ft. Wood when I was approached with an opportunity. The officer candidate school needed a full time officer to assist with the accreditation process. After being assured I would have evenings and weekends free to run my business, I accepted. Today I received my active duty orders starting on 20 October and running through 31 May.

I am absolutely amazed at how God answered our diligent and almost fearful prayer on September 1st. We are still in the process of catching up and getting our emergency fund back; however, by December 1st life will be good and the debt will be dropping once again…God willing ;)

September 16, 2008

Last Call - Financial Peace University

Filed under: Debt — Joel @ 12:20 pm

This is your last chance if you are interested in taking Financial Peace University with me this fall; I must hear from you by Thursday evening. The class will be Sunday nights at 6:00 pm at Central Assembly for thirteen weeks starting on September 28th.

One other side note; I am finally back from Louisiana and will soon provide a post including photos of our two week experience on the bayou.

August 23, 2008

Rough Week

Filed under: Business, Debt — Joel @ 12:17 am

In the realm of Murphy, this week was beyond belief. To begin with, seven of my classes were cancelled due to a lack of registrations. (Thankfully only 4 of the 42 on my schedule for the next six weeks are in jeopardy.) Then Wednesday, half of the officers registered for that day’s class cancelled at the last minute.

School is starting up next week which means books for me and Amy (about $400 together); supplies for Jeremiah and Sarah ($82.94 at Wal-Mart tonight) and an upfront payment on Amy’s tuition ($370). She usually gets that money back in the form of a Chaplaincy scholarship although it is not guaranteed. My school is totally paid with Army Federal Tuition Assistance (working on my Masters this fall) with the exception of books; additionally I received a new GI Bill with my deployment; chapter 1607 which will pay me $792.68 per month while I am in school the next two years…of course none of that money came in this week.

Earlier in the week my laser printer again quit on me; this time refusing to work until I replaced the cyan cartridge, even though I only wanted to print in black and white. I ordered it Wednesday…another $105 out of my business account that is supposed to be supporting me.  Even with that expense, I finally would have enough money to send out my next set of flyers after this morning’s class in McDonald County…which brings me to this morning. When I began setting up at the Sheriff’s Department in Pineville I noticed the screen on my computer was on a DOS prompt instead of the normal Windows blue. After several minutes of attempting to troubleshoot the problem I was finally able to open in safe mode and run my power point.

Fearing the worst for my computer, I quickly found the cheapest external hard drive in Springfield. Thankfully I had some extra walk ins at my class earlier in the morning which meant I still had enough money to send out my flyers…until I got home that is. Upon arriving home, my new cyan cartridge was waiting. Once I installed it, my printer decided it still wouldn’t work because I needed to replace my magenta and yellow cartridges as well. After $211 for those, I no longer have the money to send out the flyers until I get more money next week.

It was so crazy this week at one point I said to myself what next, is the car going to break too! I immediately went out to the car and it wouldn’t turn over at all. I was in a state of shock. I got out and checked the battery cables, wiggled them a little, and then tried again with surprising success. All my radio presets were gone and the clock was showing 12:00, so I wasn’t imagining the fact it had lost power; I think God was trying to tell me He is still in control!

Next week Amy and I are planning to give plasma twice each which will give us just enough to pay our rent and utilities. We still have enough grocery money to get by, and my mom sent us a gift card for Chili’s :-) Our emergency fund is depleted, but we are still around to fight another day. September has never looked so good!

Oh yeah, did I mention Amy found out she is allergic to milk. Do you know how many things have milk in it?

August 17, 2008

Anniversaries

Filed under: Business, Debt, Personal — Joel @ 11:33 pm

It is hard to believe, but yesterday marked eight years since I was run over (read about it here) and three years ago tomorrow I opened the Lazy Susan. As time passes, actual anniversary dates mean less and less as my focus shifts to the future.

My new business is progressing well…with a few exceptions. August is very slow; so far I have cancelled 7 courses due to a lack of registrations. September is looking better with enough registrations for all except a couple of the 30 classes on the schedule. I continue to receive about 10 registrations per day, and I have four agency contracts pending payment and two more awaiting city council approvals. My accounts receivable will likely break $4,000 by lunch tomorrow…the future looks great, but the present still feels broke!

This morning Pastor Bradford spoke on the four lepers at the gate of Samaria (II Kings 7). The central theme of his message was to share the good news. This hit home with me; last Christmas I talked of my desire to share my testimony, yet in six months of being home I have yet to do anything. Now that Amy has completed the process of gaining her credentials through the Assemblies of God, I am at ease with the process. It is time for me to take action, get my credentials and begin pro-actively seeking speaking opportunities…so if you know of a venue let me know!

August 12, 2008

Good Bye Google Adsense

Filed under: Debt — Joel @ 7:31 pm

The short experiment is over…much as I suspected and just like Amy told me; nearly every ad on my web site was contrary to what I believe in. From getting an auto lease, to a payday loan or consolidating your debt; nothing jived with my values. Because of that, it had to go, so google adsense is no longer on my sidebar.

If you are looking for a way to assist me in getting out of debt, I have replaced the ads on my sidebar with a button to sign up for Amazon Prime. Between now and October 31st I get $12 for every person who signs up for a free 30 day trial of Amazon Prime. There is no obligation, and you can cancel during your trial period, so basically for nothing you can get me $12. Just click here to sign up.

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