Wednesday, November 14, 2018

Negative Start. Positive Finish.

My Dad came to America from Ireland when he was 19.  He had $50 in his pocket and went to work with his older brother who had immigrated a couple of years earlier.  Through lots of hard work and sacrifice, he learned how to build houses and was able to start a career and family here.  

I always thought of his story while I was growing up, in awe that he was actually one of those people who came to America looking for better opportunities, having nothing yet making something of himself and all the challenges that come with that.  You hear stories about immigrants just like him in history books and movies, but for it to actually be my father was very inspiring.  I remember thinking that I could NEVER do what he did.  I could never move and start out my adult life with nothing to fall back on.

And so, I became educated to give myself a better start.  Once I graduated with my Masters from Franciscan University, married Phil and became pregnant a month later, I realized we were in an even worse spot than my dad, the poor young immigrant, had been.  Sure, he started out with nothing, but we were starting out $80,000 in debt.  

Suddenly, starting out with nothing actually sounded good!  

We had to dig ourselves out of all that debt, and that took us eleven years of making extra payments, driving old cars, not spending any unnecessary money at all.  We were determined and driven to erase that debt, and thank God made it happen while the kids were younger (they seem so much more expensive now!).  Once the student loans were paid off, we were able to live with a little more wiggle room in the budget, but things like daycare, tuition, braces, technology, sports, textbooks, bigger vans, etc. quickly entered in and here we are, living the American dream of paycheck to paycheck ;)

But!  There is a light at the end of the tunnel.  Daycare costs will end in July!  If we don't have any more babies, that is a huge expense given up and the plan is to finally start saving for the future.  Of course, the future includes soonish expenses like driving lessons and cars, insurance, college tuitions, etc.  Always something!  At the same time, there is also always sufficient grace and God's providence.  So while I budget and plan like the accountant I am, I don't stay awake at night wondering how it's all going to work out.  Experience has proven the time spent worrying is not worth as much as the time spent praying and working.

The world may think we have done things in the wrong order, but this family of ours is worth more than any money sitting in the bank.  We jumped in, excited and eager, to see all the God had planned for us.  We are so thankful that we took this chance on each other, on being open to many children, and are willing to keep putting in the work required.  These are the lean years, spent building and growing, that require a whole lot of faith and hard work, and yet we are enjoying our life as it unfolds.  Turns out our story is a lot like my father's after all.


  1. God bless you.
    Greetings from Spain.

  2. Hi Colleen! I have lurked on your blog for years (since my sixth child was born in 2014, to be exact), and I just wanted to thank you for this post. My husband and I just had our eighth baby last month, and everything you say about family resonates so much with me. We are only just beginning the process of buying a home after living VERY lean for many years, and I know that many well-meaning folks think we did everything "backwards" as well. I suppose I understand where they are coming from...we are in our early forties and some of our friends have paid off half their mortgages by now, and here we are at the starting gate. But, every time I look at my kiddos, I know I would not change a thing. Three cheers for doing everything out of order! God bless you and your sweet family.


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