I had someone criticize me for doing family wipes and yet spending $500 to send my girls on a "vacation," as she called it. It got me to thinking about just how far one goes to get out of debt.
I think I live a pretty frugal lifestyle, the credit card debt notwithstanding. I was living a frugal lifestyle even AS I was getting in to debt! The main reason my husband and I are in debt is a lack of planning and a lack of communication between us. So my question is, do we "punish" our children by making them quit music lessons or miss out on a good educational opportunity just because mom and dad have a hard time getting our act together?
I say no, personally, and so I use cloth wipes and let my daughter continue her music lessons. If you read all my posts, you can see that my children pay their own way for many of their activities. They work hard and have lots of responsibilities.
Is there a compelling moral reason for me to quit the music lessons (and the TeenPact and the life insurance and the many other rather radical suggestions I have been given) just so I can pay my debt off 2 months sooner than I would otherwise? And if so, can I really stop there or does that moral reason encompass our mortgage as well? Should all outside spending beyond food and clothing stop until every last cent is paid off?
I guess I don't see it. I want to be out of debt, very badly, and I want to be able to quit, or at least cut back, work. But I don't see being in debt as a sin or a sign of moral weakness. The weakness or sin is the lack of communication in my marriage. We are working on that.
I am interested in hearing others' point of view on this question.