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I was blessed to received financial help from my parents, and I graduated from the University of Oregon without student loans in 2006. My husband and I decided shortly into our marriage in the summer of 2006 that we would aim to live a debt free lifestyle. Since then, we've paid off our consumer debt and lived entirely without credit cards. We have a cash emergency fund in the bank and have been working hard, saving diligently, and paying cash for his tuition at Multhomah University. When he graduates this spring, we will have about $10,000 in a lingering student loan from his earlier studies that we aim to pay off within the year. It takes sacrifice. We live simply in a small apartment and don't take lavish vacations or buy the latest gadgets. But a lifestyle within our means during these years means that we will be financially independent and free from debt during our later years. Dave Ramsey, a radio host who is broadcast weekday evenings here in Portland on 1190KEX, is a terrific encouragement!

posted 4 years, 8 months ago
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