09/02/2026
Financial delays to projects. Being debt free is a blessing.
We often miss date goals on projects. Frequently it is time related but finacial issues play a major factor as well.
We run on a cash basis. Being debt free is a blessing and unless it is a significant emergency big ticket item we function on a cash basis.
This week, having to replace this item on our yard tractor is preventing us from buying a couple more sheets of foam insulation for the mushroom cellar.
It doesn't seem like a big item and by itself it isn't. However projects are funded with disposable income after all the other bills are paid.
Debt free isn't a burden. We were able to afford paint to help our granddaughter paint her senior parking spot at her high school. This is priceless.
The Bible clearly teaches us to avoid debt and I believe the timeless wisdom it contains.
Do we ever use debt? Yes. Our house was financed. If we had to replace a vehicle we would have to finance part of it. Sometimes an item is on sale 90 days same as cash and we will pick it up knowing that we have to pay it off or suffer interest.
So the foundation principle is no debt even if it takes longer to get a project done.
Peace, my friends.