Debt Free Journey // Part 1


“But the fruit of the Spirit is love, joy, peace, forbearance, kindness,

goodness, faithfulness, gentleness and self-control.”

Galatians 5:22 NIV

Entering into this relationship we had a lot of baggage. Unfortunately some of those bags were loaded heavy with loaned money that we had to pay back every passing month. It was two weeks before JP proposed that we had the “financial” talk in a Big Sur cafe. We laid everything out on the line. How much money we had. How much we earn. How much we owe.

I dreaded pulling up my student loan website and showing him the huge number that had never gone down in the 6 years of paying monthly post graduation. I had been paying interest this whole time and somewhere in my mind decided that I would most likely be paying this huge payment every month for the rest of my life. I had just accepted it as a way of life because it felt like there was no way out.

Something stirred in my heart while we sat in that cafe in Big Sur. All of a sudden these feelings I had repressed for so long flooded to the surface. Shame. Guilt. Fear. This was no longer only my burden that I would bear…well really ignore…it was now JP’s.

I couldn’t stop the tears from flooding down my face and he came to my side and brought me close to his chest.  I just held onto ambitious (and stubborn) Mary who wanted to be a photographer but had absolutely no money to do it. I signed up for the first school that I inquired with and they milked me for everything I didn’t have. My mom co signed the loan with poor credit and alas, I was in a hole 5 figures deep with a large percentage of interest. Was I negligent in my decision making?

I try not to visit woulda, coulda, shoulda town for too long. I am well aware that everything happens for a reason and it’s all a part of God’s ultimate plan. My story has been shaped by photography school and somehow it has been shaped by this heavy shackle of debt I drag around with me everywhere I go.

JP has a lot of school debt as well, not as much as mine, but it still exists. We couldn’t help but feel discouraged that this would be something we would be paying back for a very long time and now with our loans combined, it would be even longer. There really was no positive side of it…well only that I thankfully became a successful photographer so at least I am able to pay this huge loan off for a reason.

“Owe nothing to anyone–except for your obligation to love one another. If you love your neighbor,

you will fulfill the requirements of God’s law.”

Romans 13:8 NLV

Now the great first part of our debt story as a couple is that as we walked into marriage with only our car and student loans. We were free from credit card debt and had radically saved a 6 month emergency fund as well as paying for a wedding (seriously a miracle!) but then something happened. We fell flat on our faces and were poor stewards of our money. We ended up in a big hole with credit card debt as we tried to balance monthly expenses as well as enjoying the luxuries of Los Angeles dining a bit too frequently. It was one of those experiences that completely surprised us by how much damage had been done so quickly but really there was nothing to do now but dig ourselves out. The debt tornado had passed and now it was time to clean up the mess from the storm.

There were a lot of emotions tied to this. Despair. Frustration. Anger. More shame. More guilt. More fear. But something magical happened. We got down on our hands and knees and asked for forgiveness. Together. Throughout our relationship we have come to this beautiful place of knowing that none of the money we make is ours. It is all a blessing from God and it is our responsibility to handle it wisely. Unfortunately, we did not in the beginning of 2015 but we were ready to make it right. We surrendered it all to Jesus. We surrendered all of those nasty and negative feelings that could weigh us down and make us lose the light of the world.

The result of those prayers were nothing short of miraculous. The weight had been lifted off of our shoulders and we found peace in our hearts. We were forgiven and not only were we forgiven through some really hard mistakes, we were loved fully. Throughout the next few days, opportunities for work poured in and we were humbly blown away. We laid out all of our income and expenses for the year, month by month, week by week. As small business owners, there is never a steady paycheck and that is what hurt us in the beginning of the year. Not planning accordingly to when our income would actually be coming in. With the surplus of job opportunities that poured in that same week of laying it all down at the feet of Jesus, we mapped out that with A LOT of hard work and major budgeting, we would be out of this nasty hole by the end of this year. Seriously, that is a HUGE mountain that has been moved friends.

That vulnerable and sensitive conversation in Big Sur allowed me to experience something I had never before. JP lovingly and willingly took on my debt and never made me feel guilty for it. That beautiful gesture freed me of so many awful feelings of inadequacy that the enemy would whisper into my soul. My tears had been wiped clean and I no longer had to carry that burden all by myself. As JP and I both surrendered our financial mistakes and stresses to Jesus, we felt those same feelings together…but tenfold. We felt free, hopeful, loved, reassured, forgiven and determined. We saw a way out of this hole and even though we dug it even deeper this year, we feel even more faithful that we will be able to radically pay off all of our debt in the next few years.

How can we feel confident that we can pay off all of our debt in the next few years? Because we are not doing it alone…we have handed over all of the control to Jesus and He has filled our souls with joyful determination.

“Trust in the Lord with all your heart
    and lean not on your own understanding;
in all your ways submit to him,
    and he will make your paths straight.”

Proverbs 3:5 NIV

Last week we made the first big step! We paid off our Prius! Such a blessing from God and we couldn’t help but celebrate with a cheesy photo from that day!


Whatever might be wearing you down, whether it is debt, a lie, fear, a sinful lifestyle, etc…I encourage you to lay it down at the feet of Jesus. You too have someone who will hold you as tears run down your cheeks when you finally own up to the burdens you are bearing. I promise you will not only feel free but the Lord will delight in you surrendering your control to Him and you can finally move forward together.


  • July 8, 2015 - 9:21 pm

    Andrea H - So encouraging! Thank you for sharing your journey! I am so impressed at your guys’ accomplishment, and living in LA no less. Well done. Keep it up! :)ReplyCancel

  • July 9, 2015 - 7:37 am

    Gabrielle - Hello Mary,
    First and foremost Glory to God Psalm 103 One through Five : 1 Praise The Lord, my soul ! All my being, Praise his Holy name ! 2 Praise The lord, my soul! And do not forget how kind he is. 3 He forgives all my sins and heals all my diseases. 4 He keeps me from the grave and blesses me with Love and Mercy. 5 He fills my life with good things, so that I stay young and strong like an eagle.”
    Following my comment below your Instagram photo, I wanted to thank you about this post. God really inspired you to share your story and debt free journey cause he does know it will help other Christians facing the same situation. I am thankful that I followed you on Instagram a few days ago because today God speaks to me again, through you, about my personal & debt journey. He reminds me again that he can forgive me and heal me. Indeed in 2010 I have been selfish desobedient when I graduated from a Community College in Paris with an Associate Degree I felt unhappy I was hungry I was ambitious I wanted more. My dream was to graduate from a Renowed and international Business School with a master degree in Business Administration which could have lead me to a well paid position in the best companies. My mum who couldn’t afford my studies for the two years to complete, advised me to be patient, to work with humility with my associate degree. I wasn’t content. I believed that my future would be bright ( when I say bright I obviously mean money making) only if I had this diploma. Since I have been through a difficult time because of my debt, so many things I was supposed to do are undone, postponed but one thing remains God never abandoned me, he got me through it, he just wanted me to recognize my faults repent myself. Then he asked me to pay my debt. So he is showing me the way. And I am praying for forgiveness Psalm 51 : 1 Be Merciful to Me O God because of your constant love. Because of your great mercy wipe away my sins! 2 Wash away all my evil and make me clean from my sin! 3 I recognize my faults; Iam always conscious of my sins. 4 I have sinned against you- only against you and done what you consider evil. I didn’t trust enough in the Lord to believe that he could provide. I wanted to provide myself. Now he just shows me that I must lean on him. He provides everyday and I am thankful. He opens new doors to me. Thank you Mary for this meaningful, inspirational post. Isn’t Mary who said in John 2 :5 Do whatever he tells you. 😉 I am sure that God will provide for all of us if we do what he tells us to do. In Christ, Gabrielle ( my Instagram account is godly_gabrielle) hope to hear from you soon.ReplyCancel

  • July 9, 2015 - 8:30 pm

    Dee - Thank you for sharing this story❤️
    Your stories and quotes that you share in IG or here on your blog always touch my heart. It also reminds me to trust on The Lord and to be a better person.


  • July 10, 2015 - 6:07 am

    Eleanor - Mary, your words have been a constant encouragement and inspiration over the past few weeks and months, as I slowly and tentatively crawl back to God after a painful 10 years. Thank you so much; I don’t feel alone. Your passion to live vulnerably is truly visible in this piece, and I’m so happy for you guys to have found each other, and wish you endless joy on your journey!ReplyCancel

  • July 11, 2015 - 8:49 am

    Nessa - Thank you for sharing your story of struggling with debt. It is one I know too well, but I experienced a similar blessing of freedom from stress and worry after praying for relief. God listens and answers prayers. I’m happy for you both!ReplyCancel

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