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An Update On Baby Step #2 - Down By 40%!



We started this journey in late February, early March 2019 - and we’re down by 40% since we started!


To put this in perspective, we’ve given ourselves a raise equal to my gross yearly income.


I have a few observations:

-Christina and I have less to fight about.

-HJ, Tina and I spend time dreaming as opposed to worrying.

-our combined anxiety is WAY down.

-we’ve been surprised by giving - we don’t notice a difference in our cashflow between times we’ve not tithed and now that we are tithing.

-I was able to determine that whether I wasn’t working, Christina wasn’t working, or both of us weren’t working, we could make our household run without borrowing or going without - and we put this in to practice for a few weeks as I’ve moved into a new industry recently.


It’s a different celebration than we had in February when we had our “Year in Review” blog post - we’re quarantined as a result of Covid-19, we’ve been isolating for over a month. Lines at grocery stores and the LCBO in particular are huge, people are standing 6 feet apart, they’re wearing masks in public, healthcare workers like myself are wearing gowns, goggles and N95 face masks.


As we’ve faced this pandemic uncertainty, one thing has become incredibly clear to me - we’ve been on the right track, and we’ll carry on the way we have been.


There’s no part of this crisis that would be bettered by borrowing money.


Debt is dumb, cash is king.


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