Carolyn,
I can’t express what a blessing you have been to me. Looking back to the day I first sent in my application to Christian Financial Ministries, it felt as if I were facing a mountain. Many times, I had to email you and ask for extra time! And you were always there encouraging and being helpful. Thank you from the bottom of my heart! May the Lord bless you, all the people at Christian Financial Ministries, and all the clients who are working with you to get free of the monster of debt and learn how to do better.
To update you on other progress, in January, I refinanced my house to a lower rate for 15 years and had enough extra from that to pay almost all of the balance on the one credit card that I took out of the program. The credit card is now down to a much more manageable size. My mortgage was going to adjust in 2011 to a higher rate, so I was not sure what I was going to do about that. I was panicking, but the bank called me! All I had to do was let this all play out with little or no effort on my part, and I had a new fixed low-rate mortgage for half the length of time, and I’m only paying around $160 more a month. My other mortgage was for 30 years! So the Lord has been blessing me with solutions. As soon as my children get more settled into their lives, I believe I actually will start accumulating rather than expending.
My writing possibilities online have also expanded considerably in the past two months, and I may be earning some extra money doing that. Maybe someday I WILL write the definitive bestseller in some subject! Time will tell.
Again, thank you!
Best regards,