I was hoping I would be able to hide behind the pulpit. But it’s made of glass.

DH = Dear Husband

Last Sunday, DH and I delivered the message at our church. Our pastor, who knew about our journey out of debt, had asked us if we’d be willing to share it as part of his sermon series on the renewal of the mind. We accepted, and after presenting last week, we were amazed at the level of response we received. It was like a barrier had been broken. We hadn’t presented as people who had our financial act together. We hadn’t presented as people who had made it to the finish line. We had presented as people who were in the midst of digging ourselves out of a financial hole, and as such, we were people to whom many others could relate. Others who had evidently carried their financial burdens in silent shame. Perhaps especially at church. There was some amazement. “Nobody talks about their debts!” And relief. “I have so much I want to talk with you about. Can we have coffee some time?”

To American readers (and listeners), I wish you a very happy Thanksgiving!

Here is the podcast of our message. (I have to admit, I’m feeling somewhat vulnerable putting this out there! If you choose to listen and you have anything nice to say, please leave a comment.)

 Comments are especially welcome this time : )


Join the Conversation


    1. Thank you, Moneystepper! I am more and more convinced that the biggest help we can offer to those struggling with financial management is to share our stories of the same struggle. Only the lifting of those huge barriers of secrecy and shame can make practical personal financial wisdom effectively accessible.

  1. Even coming from a non-religious listener, these were very powerful words. You did an amazing job. What I found interesting was that your husband got out of hi tech for video work. I’m actually struggling as a video person (mostly editor) since I’ve been a freelancer. It’s great to see he’s thriving doing it and I’d love to know his secret! 🙂 Anyway I’m very proud of you for standing up and being brave by sharing your story! I’m sure you helped a lot of people out there!

    1. Thank you for listening, Tonya! Some people, when they hear the words “church”, “Bible”, or “God”, take the attitude “This is NOT for me!” and turn away. I appreciate words of wisdom from other belief systems (so often, there are parallels), and I appreciate the fact that you were open-minded enough to listen to this message – even though it is Christian. Regarding my husband’s video work… No secrets involved. Check your e-mail and feel free to ask any questions you might have : )

    1. Thank you very much, Brian! I think that in order to help people who struggle with debt, it’s very effective to share your own struggles with debt. I think that’s why Ramsey was effective for me. I hope you find those opportunities!

  2. I just listened to it and I am so glad you gathered up the courage to share your story with church members! I am certain that your story did speak to the hearts of others and I know that you and your husband did something very positive, in your willingness to share. May God continue to bless you Prudence!

  3. I can’t tell you how many times while I listened to this I knew this was the path we have walked. We are now paying off a mortgage and that is all of our debt. We are extremely careful with our purchases that are made with cash. I can hardly wait to be debt free!

    1. Thank you for taking the time to comment, JMD. Very interesting that you noticed several points of common experience between our story and yours! I wonder how typical this experience is – even though so many of us feel alone in our indebtedness. Congratulations on the progress you have made! All the best as you make your way to debt freedom.

  4. That was amazing. Your story is the story of countless others. I am sure that many were helped by your message and sharing it. It is so taboo to talk about and yet money is foundational to our lives. Interesting about the blueprint and how we try to maintain situations so that they are in line with our (unacknowledged) beliefs. Good luck on your journey. It sounds like you are doing a great job.

    1. Thank you so much, May. I find the concept of the money blueprint really interesting too. I like you comment about “countless others” experiencing our story. Sometimes, I feel uniquely foolish – even though I know that many people struggle with their finances. Good to know my mistakes are not so unique. Thanks for your best wishes and for taking the time to comment : )

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