DEBT is a 4-letter word

Well, this is our story. Our debt story anyway. I needed to document it because I don’t want to forget what this was like. I don’t want to forget how bad it hurt or how lonely it felt, because I don’t ever want to go back to this. But also, I want to have another spot to look and be reminded of the many facets of the Lord’s provision in our lives. It was not fun, but I can be found exceedingly grateful.

1997: I got my first credit card. Committed to paying the balance every month. And did. For a while anyway.

1999: Leased a new car. Got married. Decided with husband that his 21k per year salary along with lots of love was enough to live on. Charged groceries. Charged gas. Realized – it wasn’t going to be enough. Back to work I go…

2000: Bought our first house! Zero down! Because we had ZERO! And the available credit on our Discover Platinum was begging to be used to decorate. And carpet. And paint. And oh! air condition. Nice. We stayed afloat on bills until after our first baby was born and I stopped working and started buying anything and everything a baby would really never even know it had. And then some.

2002: Sold the house. Paid off the credit cards with the profit. Moved to Georgia. And started over. More debt I mean…

2003 was the year I didn’t even battle being a compulsive shopper; I just gave in to it. I had clothes purchased 4 years ahead for Taylor. I didn’t know how to cook which meant we ate out most nights and Brian found himself unable to keep his “lunch budget” below $100 a week. The “luxury apartment home” we lived in was not only bigger than our first house, but the bathroom alone was more than twice the size of our first kitchen (roman tubs make great laundry hampers). There was more than a lot of excess going on in nearly every corner of our life. Those apartments were probably best suited for our MLB player neighbor and his family, rather than us.

In order to combat my boredom and the loneliness of being new in town, I shopped. And I did not just browse but purchase. $10. $50. $200. Often more. Occasionally much much more. Regardless, it all adds up. It added up faster than I realized and soon all credit cards were maxed and the minimum payments were not even happening. So we lived in a gated community. Drove a new SUV and a slightly used 5-series bimmer. And nothing was what it appeared.

I found this older journal entry. It was written in retrospect of this time, but it paints the perfect description of what was life was like then:

In my life, I am a gazelle, minding my own business but often feeling attacked by cheetah’s. Desire, for example, for new clothing and lots of it. Or accessories to make home not just functional but beautiful and comfortable. And to have choices for each. For when the mood strikes or I seem to prefer one color over another on that given day. Convenience as well. New cars, being on the right side of town, behind the gates even, and keeping up with the lifestyles of friends, eating out for lack of planning or energy to do it myself. All of these things and more – have contributed to the slow backward trend in my own personal finance in past years.

And now, I am a gazelle – running from the cheetah that is my personal debt and is eating me alive. My wallet, my stomach, my family. We have all suffered as the result of poor choices. Lack of maturity. Lack of discipline. The inability to say ‘No’. All of this would lead to a sweat at the checkout register in Target. “Is there enough available credit?” I would wonder with a blank look on my face, my insides churning. If I buy this stuff, can I put gas in my car tomorrow? When does my credit cycle end – I might avoid the ‘over limit’ charges if I time it just right. Yeah. Debt sucks. The fear eats you from the inside out when the creditors call looking for money and tell you they have to have it “NOW” and you know you don’t have it to give. And you probably won’t have it next month either. But you still stand in the checkout lane, the cart loaded up and off you go, breathing a sigh of relief, but very much on edge. That nervous moment in the checkout lane curses all the stuff you just bought. And now, what you wanted an hour ago, you hate – for how you felt during the swipe. Every time you look at it, your gut knots up. And now you need some comfort food. So you head out to the restaurant seeking something to help you feel better about your poor choice, and the company of a friend who will console you and defend your choices until your anger dissipates and now you are just numb to them again.

We went to North Point Community Church at the time. What an amazing place. Brian volunteered on the video production team there and I had connected with a group of girls in a mom’s group. One Sunday as the service was coming to a close, Andy announced that “…next week, Dave Ramsey will be here to speak. On money.” Brian & I looked at each other and went, “hmmmm. Sleepin’ in!” Brian was relieved he didn’t have to work the camera that Sunday, because there was no way we wanted to hear about money so we skipped church the following week.

But the evening came not long after that we had no money for supper. That was the night I had to tell my husband we not only had a food crisis, but a money crisis. In all the homes around us that night, life was happening as usual. Couples were curled up on the couch watching tv. Mommies were rocking their babies to sleep and tucking their kids into bed for school the next day. But at 2816 Addison Lane, we stood in the kitchen and couldn’t even look at each other. Our world was beginning to crumble. And we were hungry.

A series of things followed and ultimately, we picked up our basic needs items and moved back home. Well, we moved into my parents home. I went back to my old bedroom, except this time it was with my husband and our two babies. Broken. Humbled. Grateful. Oh, and scared out of our minds.

What started as a “couple month” stay with mom & dad to get on our feet turned into 10 months. We paid off all but one credit card and saved up a small down payment on a house. We moved in, we loved it, and although I had learned my lesson in retail and interest rates the years previous, life happened this time. House stuff. Brakes. Tires. Air conditioner. Just normal life stuff. And it didn’t take even one year until Brian was working 3 jobs to once again, just make ends meet. Brian never saw the kids because he was always working. He would come home around midnight and watch tv for an hour before coming to bed and getting up at 6 to do it all again the next day. He was depressed. I was depressed. Our babies missed their daddy. And I was afraid Brian would drop dead of a heart attack because of all the stress he was silently enduring. We were spinning our wheels.

One night, feeling scared and desperate, we fell to our knees together at the side of our bed. We pleaded with God for help. We told Him we didn’t expect a bag of money at our doorstep in the morning, but asked for guidance and direction and some kind of help out of the mess we had once again gotten ourselves into.

That week, my friend Jean called. She said, “Heather. Dave Ramsey was preaching at church this Sunday and I wish you had been there. You would have cried the whole time. I just know it!. You have to order the CD.” So that night in bed, I sat with the laptop and mentioned it to Brian. “Who’s Dave Ramsey?” I asked him. “I dunno. Google it.” When I found DaveRamsey.com a nanosecond later, I noticed a button. It was this one, actually:

I clicked for the FREE Check-Up and filled in and answered the questions posed. It gave a pretty grave outlook on our financial future. I sat & stared at it, contemplating the choices we’d made. When Brian, who was dozing in & out looked over at the screen, his face scrunched up. He looked closer at the screen and then at me. It was as though I could see the blood drain out of his face. I have never seen him so pale and white and literally, ghostly looking. He pulled his knees up to his chest and tucked his head down, curled into the fetal position. Wikipedia describes it better than I ever could:

Sometimes, when a person has suffered extreme physical or psychological trauma (including massive stress), they will assume the fetal position or a similar position in which the back is curved forward, the legs are brought up as tightly against the abdomen as possible, the head is bowed as close to the abdomen as possible, and the arms are wrapped around the head to prevent further trauma. This position provides better protection to the brain and vital organs than simply lying spread out on the ground, so it is obvious as to why it is an instinctual reaction to extreme stress or trauma when the brain is no longer able to cope with the surrounding environment, and in essence “shuts down” temporarily.

I well up with tears just thinking about it because it was one of the saddest things to witness, knowing we had done this ourselves.

[Discovering FPU]
I looked to see what kind of help Dave offered and saw Financial Peace University. Oh good! I thought, a DVD kit! We can fix ourselves in the privacy of our own home! Except, we didn’t even have the $100 to buy a kit. Plan B. I called Dave’s office a couple days later and a woman named LeeAnn answered the phone. I wish I could explain to you the peace that swept over me in that moment. I absolutely believe that God routed my phone call directly to her and that we were ordained to become friends. Maybe it’s because there is safety in anonymity, but for the first time, it felt good to talk about it. It was an incredible relief, because to everyone else, it remained our biggest secret.

The thing that was hardest for us at first might surprise you. Maybe.

It was not the cease-fire on using credit cards, because we knew it had to stop. It wasn’t making a budget. And it wasn’t even cutting back on things. It was being vulnerable enough to say, “Hey. We have a problem. We need help.” And not just to each other or a trusted friend who would keep it confidential. In order to do Financial Peace University, we had to present the idea of facilitating the class to the church for consideration. In our minds, we may as well have had red letters across our foreheads that screamed “Broke”. But living in a nice home with nice cars in the driveway and nice clothes on our backs, you wouldn’t have thought that were the case. That was what we had hoped you would have thought.

What I realized was this; no one else was crying themselves to sleep on account of our finances. They didn’t answer our phone. They didn’t open our mail. We did. We were the ones that had to deal with it day in and day out. We had to be the ones to initiate change. It started one night on our knees in prayer, weeping and broken. And we knew, that this was the Lord’s leading, so we put aside our pride and made ourselves vulnerable.

That was a new one for us. We worried that no one might want to do the class. That people would talk.

But what happened shocked us. So many people signed up for the class that we could not actually even host them all in our home. So, we hosted 2 classes a week. One at our house, one at church. Twice a week we got the lesson drilled down and talked through.

I was pretty sure Satan was mad that we were going to stop all this crazy spending and embrace a Biblical view of finance. Every Tuesday, I could count on the fact that something would go wrong to distract me from that nights class; babysitter problem, relational issue, a child who played with the stereo and blew out the speakers, the company my husband worked for announcing they were on the verge on bankruptcy – you know, annoying things.

But every Tuesday, I spent the day cleaning in preparation for having the first crew over that night. And I would usually have David Crowder or Matt Redman playing in the background. Some days I would listen to that debt lesson I eventually got in the mail. The one Jean had told me about from Dave, that day at NorthPoint. And I would pray and sing and cry. And I looked forward to it every week, because I knew without fail, that the Lord would meet me there. Back on my knees. Focused. Desperate for a touch from Him. And He would provide. And not just financially, but also emotionally and mentally. And in all this new territory we had entered, the DCB song I Need Words, became the prayer of my heart.

I need words, As wide as sky
I need language large as, This longing inside
And I need a voice, Bigger than mine
And I need a song to sing You, That I’ve yet to find
I need You, Oh, I need You
I need You, Oh, I need You
To be here now, To be here now
To hear me now, To hear me now

[Gettin Gazelle]
For someone who spent money when she was bored, or lonely or depressed or when the wind blew from the east, I had a lot of stuff to show for it. I realized pretty quick that garage sales were not even going to put a ding in the mountain of debt we had. The quickest thing I knew to do was to sell stuff on ebay. I was already quite the ebay shopper, now it was time to switch over to selling! I worked through a few hundred dollars worth of stuff that I didn’t care about or didn’t need. Then what? I realized, this was going to hurt a little bit. I was going to have to sell stuff I cared about.

That was the problem. I cared. About stuff.

So, one afternoon while the girls were napping, with tears rolling down my face, I prayed and asked God to change up the filter on my eyes. I asked Him to help me see through the stuff for what it really was. And then, I asked Him to remove my attachment to it.

God is faithful. He answered that prayer with immediacy. I would walk into my child’s closet and notice things I hadn’t seen before. Then, while putting something away in the hall closet, something else would catch my eye, or I would admit to not needing this or that or putting things to use. Literally – everytime I went into a closet or room, something happened. If I didn’t pull something out to be sold, I began to consider it. And more. And more. And more.

Every few days, I would carry boxes to the post office to ship away to the highest ebay bidder. The contents consisted of the very things I had blindly purchased out of boredom or loneliness. The debt accrued had led to depression. Fear. Anxiety. And now, I was boxing and carrying these very things to the post office to send away. One by one. Every time I sent something off, my spirit lifted a little more. I was releasing more than just stuff. I was finding healing in doing so.

The night came in FPU where we talked about credit cards, and then were going to open it up to anyone who wanted to cut theirs that they could do that. Brian went first. I took a picture. I was thinking, Well, this is exciting! this is going to stop! and then I heard him say with a trembling voice, “I can’t live this way anymore” and I snapped to the reality of what he was saying. I pictured him pale and in the fetal position. And then he handed me the scissors and held my gaze for a moment. I was happy to cut up my stupid Discover and my first Visa. I’m sure I made a joke about the Victoria’s Secret platinum card. And Sears. And Old Navy. Express. and on. and on.

But what Brian didn’t know was that 20 feet away, in a file folder in a drawer, was another big credit card that was still taped to the paper it came on. And it was maxed out too. I hadn’t planned to cut it up, but when he said he couldn’t live that way anymore, I knew I couldn’t either. The walk across the room to the file drawer was the longest 20 foot walk I’d ever taken. I unglued the card from the paper and stepped into the reality of having hidden this, and the hurt I was afraid would follow. When my eyes met his, as I held this never before seen credit card, I knew this was not going to be the beginning of the end as I could have feared. With one snip of the scissors, it was the end. And the next moment was a new beginning. Of honesty. And teamwork. And being in it together.

I sat one afternoon in my living room debating how many more little clothes and house decorations I could really sell to help pay off credit cards. As I sat there, staring at our Entertainment Center – one of my favorite pieces of furniture – it occurred to me, that we could sell IT. This had been a hands off thing for me. We had 3 pieces of furniture from a Thomasville collection that we paid a ton of money for but they were really special to us. That was our stuff. Like, our nice stuff. But I knew we had a long ways to go to be debt free. We could stick to the snowball plan and be debt free in 10 years or so based on the calculations, or we could amp it up a bit and throw extra money at it and make it go faster. Faster sounded much better.

I sat staring at this armoire, and recognized that I did not WANT to love this stuff. But I did. So with the girls sleeping in the other room, I slowly walked over to the Entertainment Center, I trembled as I got down on my knees and laid hands on this mammoth piece of gorgeous burled walnut wood … and I prayed … tears falling off my face, I prayed out loud pleading again with God to break this crazy attachment to these things.

I felt ridiculous in that moment. I thought if anyone had seen me in my living room, praying over a piece of furniture, surely they would think i had lost it. But God! He saw! He heard! And HE WAS FAITHFUL! The mental release of this stuff occurred over and over and yet the peace in my heart knowing GOD was at WORK IN ME was beyond expectation.

I didn’t have a clue what I was in for. The next three years would prove to be as much a spiritual journey as a financial one. We continued chipping away at the mountain of debt. The little wins were exciting and we were seeing changes every week! Brian worked extra freelance jobs, he submitted himself for medical research projects as they were available, and we continued downsizing our household – not much was off limits – even the drapes were on ebay. It became fun. People thought we were nuts, but we were sleeping better at night, and that was just one more welcome change.

[If the job description fits]
After our FPU Class ended, many of us stayed together on Tuesday nights for a Bible Study. One night our friend Heath came in and said to Brian “Hey! Did you see that Graphic Designer job on Dave’s Employment page?” We all ran over to the computer and huddled around it. I had been on that site just hours previous and it wasn’t there! I got all teary eyed. It was as though the job description had been written to describe my husband.

As it turned out, the description DID fit, and two months later, there was a for sale sign in our yard and we were packing up the remains. Which, was still way too much by the way.

I gotta be gut wrenchingly honest here. I thought this was where our debt story would end. I thought, God is all over this, and He is in control and He will show favor and our house will sell right away, and we will make enough of a profit to be debt free, and buy a beautiful home in Tennessee with a huge down payment and life will be amazing!

Right.

If ever you ask me if I regret something in life, this is where that happens. This is where my eyes tear up and I hold my breath. At least, where I am right now in life, this is where that falls into play.

We were greedy. We wanted to ask more for our house than what our realtor thought we should (not could, but SHOULD) and we priced it on the high end hoping to pocket that extra 50k difference.

Well, hindsight is always 20/20. I don’t know what would have happened if we had listed it at the amount we were advised. It might have sold quicker. The real estate market in our area was deteriorating so fast that we were looking at dropping the price by 10k-25k a month to keep up. It was kind of hard to stomach. In the end, the house sold for 130k less than the original asking price.

But it sold.

And trust me – that is a God thing. With the profit we did have, we saved a little and paid off debt with the rest. We had hoped to be out of debt and on our way to house shopping by now. Instead we were looking at a mighty big hill where the mountain used to be. We were mentally & emotionally drained. This was not going the way we had planned, but we remained grateful knowing God was in control!

We still had credit card bills, collections balances and another loan to pay off after the house sale. The overall balance was lower now, but the stress still remained. Going through the mail and over the budget one night, I told Brian about this huge phone bill we had and no money to pay it. “I don’t know what to do” he told me. They were going to shut off our phones and then we’d really be up a creek. “I don’t know B. We have to get it somehow.” I will never forget this night. This was the night that we realized exactly how deep our conviction to stay out of debt had taken root. We looked at the computer screen showing the account statement. “You know the number?” “Mmm Hmm.” The air between us was beyond uncomfortable. We sat there a long time. We didn’t really have any options here. I started in…”6011.” I couldn’t believe I said it out loud. I hated Discover. I hated that the number was seared in my memory. I was mad and started breathing really deep. “0049.”  This was going against everything we had worked so hard against. This was not just about paying a bill. There were people in our lives who believed better for us. WE believed better for us. I kept picturing the faces of our FPU class in Florida. Even so… “3062.” My heart was racing so fast. My face was burning. I could have sworn I was on fire, but we could not look at each other. There was a long silence. “We’re not doing this. We’ll find a way, but THIS is NOT it…” He pushed the laptop aside as we both wept in each others arms. Crying-mania. We were changed, and we knew it.

We continued chipping away at our debt but we were pretty slow about it. Our perfectly organized Debt Snowball had been blown to bits by dual house & utility payments for six months, so a habit of minimum payments resumed for a while. We knew we needed more accountability, so we got into another FPU class and the fire lit right back up.

I sat one morning on the edge of the bed. I stared at the door casing as I was thinking through scenarios of how the last of this debt would be paid off. And then my mind stopped for a moment and the Lord spoke to me. Very clearly He told me, “By the time this ends, you will be starting over.” I wasn’t sure what that was going to look like, but I knew he would walk through it with us.

One night not long after, there were tornado sirens going off in our town as a storm was approaching. I was scared and as I walked into the house I just looked around and thought, What do I need to get from here? This could all. be. gone. in the morning.

And that was a big moment for me. That night, standing in my daughters bedroom, it hit me. It could all be gone, and I don’t actually care about any of it. —Oh, but it was so much more than that– because if I didn’t care, then I realized I could part ways with it.

[Where the rubber actually hits the road]
It was kind of a done deal the next day. My filter had again been adjusted and I was on a fresh mission to get stuff gone. Get it sold. Re-purge every closet, box, room, tote, cabinet … It was good. It was a lot of fun too!

I had the balance of our final loan as an account in Quicken. I would play with it and put in a line item and name a specific thing, say “Black Club Chair” and deduct $500. Then, another item, and what I hoped it would sell for, and a freelance job, and … I had a visual on what it would look like after specific actions and soon, the balance was teetering on only 12k. It was like I had a to-sell list.

I told Brian that getting into the single digits in the thousands row was going to feel like a picnic! We had a visual mathematic equation right before our eyes of what we needed to do to accomplish our goals. It was incredibly motivating. It made it seem do-able. Craigslist was lit up with all kinds of furniture and things from our home. And they were selling quickly. I was certain our neighbors thought we were moving out. very. slowly.

[Just a little more stuff]
That entertainment center I loved was long gone by a couple years already, but the other two pieces remained. The favorites. I remembered the prayer I had prayed years prior, and the Lord’s provision. And although it was harder this time, I went again to His throne with this one request, to break the attachments to these things.

And He did.

I would love to tell you that as soon as that happened, someone wanted to come and buy the furniture and all would be well. But it didn’t really happen that way. It took a while. It was about a year. Every day, I wondered where this person could be that would want this stuff. There were days that I battled anger. The Lord was faithful to take away my desire for these material things. But why wouldn’t He take them away then?

I discovered joy in living with less. It was easier. Less to clean. Less to manage. Less mental clutter.

And then there were those days when I just felt tired. Those days, Satan would suggest to me that I would be embarrassed for someone to come over to the house because – where would they sit? and, what would they think? This hurt deeply because Brian and I love little else than welcoming friends into our home. One night I was reading through the archives of Katie Davis’ blog. She is an adoptive mother, then teacher in Uganda and this post was describing the home of a child in her class. It convicted me at my core and I haven’t been the same since I read it:

Tuesday, October 9, 2007
With such great pride the tiny, barefoot and bald, coffee-bean colored little girl showed her teacher the closet-sized room she calls home. with such great excitement she introduced her new “mzungu” teacher to her mother who, upon seeing a white person for the first time, shrieked with glee and examined her closely. immediately a feast of rice and boiled bananas, the cheapest african staples, and of course all this family could afford, was prepared. these people did not apologize for the fact that there was no table or chairs for the meal or t he fact that all seven people could hardly fit comfortably in the house. they fed the teacher like she was a queen and wished they could give her something more, but rejoiced in what they had.

the african people have pride. not sinful pride, beautiful pride. pride in themselves, in what they have and what they have accomplished despite their circumstances, because they know it all comes from the Lord. they dont say “excuse the dirty, tiny house” or “sorry we don’t have much”; they say “look at what the Lord has dome for us! look at what God has provided!” they dont have much, but what they have they recognize as gifts from the Lord. these people know that blessings come from the Father alone, and with the things they have they boast of His greatness.

That. That is how I long to be.

[Hope takes flight]
Well, the bed and chest of drawers sold. The SUV sold… Those were glorious, giddy days in our house. Three years and three months after inviting a group of people into our living room to watch Dave on DVD and begin this journey – we were finally debt free. We prayed and cried and danced and jumped up and down.

And of course, we called Dave!

Brian and I spent hours the night before making the call reflecting on where we’d been, what was significant to us about the process, and, not just what we’d learned but how its changed us. Because honey, we are a changed family.

Standing in the kitchen one night making supper, B looked at me. He crossed his arms and sighed. Holding his gaze across the kitchen, I saw his eyes start to get pink. “I feel…I feel like I’m free to hope again. It’s like, hope is taking flight. Anything is possible.”

And that sums it up pretty beautifully. Debt is oppressive. It is a dirty, 4-letter-word. It robs you of peace of mind, of sleep, of opportunity. It changes relationships. It wears you out. Emotionally, Mentally, Physically. It has the potential to quench a generous spirit. Dim a sex life. Undermine your dreams.

The knowledge that this “debt freedom” had all occured was there right away, but I have to tell you, it didn’t actually sink in until a few months later. I was sitting in bed working on the laptop and checked our bank account online for something. Doing this had always caused me much anxiety, because how do you forget the feeling of knowing you have less than $100 to your name? This time though, it only took a glance at the screen, and sobbing ensued in a different form. The money had come in. And stayed in. I called Brian at work. “Brian – I just got it. I get it now. We’re debt free. We’re debt free! I can’t believe it!” I sat and cried a good long while, thanking God for all He had done, not just for us, but IN US.

It was just as God had whispered in my heart that day sitting on the edge of the bed. We were starting over. Hope was taking flight.

[Beauty from ashes]
I have heard people say they wish they could just write a check and be done with their debt. Well sure, I think, but that would be unfortunate. If I could have written a check outright back then, I would have absolutely missed out on all that God wanted to do in me. What He wanted to show me. What He wanted me to experience. And learn. And discover. And share….all over the course of the past few years.

That could not have happened as fully as it did – if our house had sold at a higher price. I would love to have been further along financially by now, but what I’ve experienced over the past few years, has absolutely become a part of me. A change of heart could never have been bought with the profits from a house sale. He has healed my spirit and replaced that lonely place inside of me with joy from Him, which is so much better than another trinket for my shelf.

My prayer that none of this is lost on our daughters.

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9 Responses to “DEBT is a 4-letter word”

  1. Heather- I can’t tell you how this has touched me. You have been such an encouragement all the way through this process. Thank you for being open and willing to facilitate that first class. You are helping change lives.

  2. This is an AWESOME story! The funny thing is that Eris and I heard your debt-free call to Dave before he ever even met Brian. It was cool to listen to it again and know who you are this time. I can’t wait to join y’all on the other side of that phone call. 🙂

  3. thanks for sharing heather…thats a difficult thing to post, but you have and will encourage many with it!!! I relate to he stuffitis addiction you had, its somethig I have had to work thru but after meeting my debt free goal July 2009, I too have a different attitude. May God bless you as you live better than you deserve and like no one else!

  4. […] course of the audio clip is an understatement. It all came back to me; nanosecond glimpses of the 3 year process with our voices and Dave’s as the soundtrack. I looked over at Brian, my eyes rimming with […]

  5. wow…just amazing Heather. Great story. So happy for you and Brian.

  6. That is a great story. My wife and I started in 2002 and finally reached debt free status in 2009. The house took 42 months straight of doubled payments. There’s nothing better. The country’s in a mess because too few people realise these truths and use them.

  7. Hi there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

  8. Whats up are using WordPress for your site platform?
    I’m new to the blog world but I’m trying to get started and create my own.
    Do you require any coding expertise to make your own blog?
    Any help would be greatly appreciated!

  9. I’m truly enjoying the design and layout of your website. It’s a very easy
    on the eyes which makes it much more pleasant
    for me to come here and visit more often. Did
    you hire out a designer to create your theme? Great work!

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