The Country, The House,  and The Decision

We here at the Roller household are facing one of our toughest decisions ever. It is a decision that affects our very livelihood and the direction we want to go in raising our seven children still at home.

Last year my husband took a good paying job in a near-by big city. We are not city folks at ALL and would rather live a quieter, simpler life that allows our main focus to be on our faith, family, and ministry. So when we found a house for rent in a near-by small town of 8,000 we were excited! It was the small town life we have always dreamed of!! Over the course of the past year we have slowly made a life for ourselves here in the community and built many relationships. Life couldn’t of been better, until we received a letter in the mail that our landlord didn’t want to renew our lease again!

Instantly, we were stunned but recovered quickly and started calling two other places in town that were for rent. We slowly discovered through our calls to rentals that with the size of our family we needed a five bedroom due to fire safety ordinances. But there were no five bedrooms….In fact there were no other homes for rent AT ALL in our rural community.

See OUR plans were to stay in this rental a year and save as much money as we could for a fixer upper! But it seems like Gods plans may be alittle different than ours.

With so many thoughts swirling around in my mind all I can do is pray for guidance.

Here are my thoughts:

  • We wanted to be debt free, will it ever happen?
  • The cost of living in WI is higher than back home in MO/IL. So with that being said it costs more to buy a home.
  • Since we live in a rural area there is a special rural development loan with interest rates between 1-3% if you purchase in the country.
  • If we get a lower interest rate our mortgage payments may be cheaper than our rent payment.
  • If we rent we need a five bedroom. So far all the five bedrooms are closer to the city and cost way out of my budget. (Silly fire safety laws!) (Just kidding)
  • If we have to rent will we have to compromise and move to the city?
  • Can I survive the city? I like calm and quiet! My house is loud and exciting enough for me!!
  • I always thought we would move back home. Enough said.
  • Can I live without my little Walmart?  I’m being serious there is nobody at the Black Friday sales in the country! You can get all the deals no problem!! These are things a girl has got to consider.
  • Oh did I mention we have to figure it out by the end of August or will be homeless.
  • Plus just the thought of packing for nine people again even with the kids help exhausts me!!!

I will keep you updated as God moves. Please feel free to share your thoughts! I’m always willing for good advice and pray for us!

Whoo that feels good to get off my chest!! All this stress is making me crave chocolate 💜! And all the women said “amen”!!


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What Do Crystal Paine and Dave Ramsey Have In Common?

Crystal Paine from Money Saving Mom and Dave Ramsey’s Total Money Makeover have changed my life forever. I’m going to be completely transparent here. I used to be bad at managing my finances and as a mom of seven it felt awful. I would struggle to pay my bills, and end up paying alot of them late. I had credit card debt and medical bill debt and a savings account forget about it!! I couldn’t save a penny. We would get paid on Friday and I would have the check spent by Saturday. I had no self control. There were things I thought I needed…and I would buy them putting bills last.

I had developed this habit of going to the store and buying everything I needed or thought that I needed, or lets just face it WANTED. I was spending to spend, trying to make myself happy. (Side note here you can never be truly happy unless you except Jesus Christ as your Lord and Savior and allow him to rule your life!)  Just thought you should know 🙂

When it was time to pay the bills I never had enough money.  So I would just pay part of the bills and leave the difference for the next month all along hoping they wouldn’t cancel my services and consoling myself by saying I’ll get back on track next month and fix this.  Folks let me tell you It NEVER EVER happened. I never got back on track. In fact I spiraled out of control even more.

I knew I needed help. I went to my local library and checked out two books that forever changed the way I spend money. One book was Say Goodbye To Survival Mode by Crystal Paine and Total Money Makeover by Dave Ramsey. They were just what I needed. I savored each page of their books, soaking it all in. I took notes and then I slowly changed my financial habits around.

At first it was really hard. I had never made a budget before and it was hard for me to stick to it. But I did stick to it and week after week it became easier and easier.  I was slowly seeing results. It took me to get organized and find out exactly how much debt I owed and who it was owed to. I didn’t realize how in debt I really was. Then I began to budget every penny of our paycheck down to the last penny. By doing this I have been able to pay off our debt and to save! It is an amazing feeling and I wouldn’t of been able to do it had I not checked out these two important books from the library. I will never trust in money as “my chariots and horses” but it sure does feel good to be responsible.

Scriptures to Meditate On:

Psalm 20:7 Some trust in chariots, and some in horses: but we will remember the name of the Lord our God.

1 Timothy 6:10 For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.

Luke 16:10 He that is faithful in that which is least is faithful also in much: and he that is unjust in the least is unjust also in much.

Proverbs 21:20  [There is] treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.

 


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