We have owned our own business for several years now. (check out our website Leo's Log Homes) To say it has been an adventure is an understatement. There are so many unknowns in business that it can be frightening at times..
God has blessed us abundantly for the past 5+ years. We have built over 50 log buildings-- from homes, to camps to commercial buildings! And even our own 3-story log home.
Due to the economy, in December of 2009, we had to lay off our employees.
The next year, 2010, brought a few projects, enough to keep us going.
Now into 2011, we have had NO work...at all! Which led my husband to change course and go back to logging. This venture cost us our savings...now with nothing to live on, we had to come out of our undebtedness and take a home equity loan.
We LOVE Dave Ramsey. By following his principles we were able to become debt-free. A foreign idea in our society. I can't tell you how many people have told me that it is not possible. So to have to enter the debt world again was difficult.
Now tax season is upon us. Being self-employed we ALWAYS pay....ALWAYS! We usually try to pay quarterly to lessen the blow (plus we have to, it's the law). Last year was tough as we also were audited, a mistake was found, causing us to pay more, plus fees and penalties. So our quarterly payments were minimal. Leaving us with probably a large tax payment in April 2011.
Oh no, April is here: I see another trip to the bank and more debt! OUCH!
A call from the accountant...who's going to answer it?
It is inevitable....so I pick up the phone to hear
"You have a refund, how do you want to handle it?"
"Did you say a REFUND?"
The answer was astounding.....it was only $1000 less than the loan! Once again I am awed and amazed at God's provision