Content in Christ: One Recipe for a Debt-Free Home, Part 1

We love to hear testimonies from young men who have chosen the less traveled and far better route of being debt-free even in purchasing a home. One such guy shared his experience with us recently. It shows how with vision, determination, hard work, and dedication, you can achieve a debt-free lifestyle. Here is Amos’ story, Part 1.

When I was about 16, I listened to your audiobook of Preparing Sons. I liked the book and believe it has had an influence on me. In addition, my family watched and was distinctly changed by Jim Sammons’ presentation of the Financial Freedom seminar. Teaching from the Bible about problems with debt was also included in my Accelerated Christian Education high school math curriculum. Perhaps the greatest influence on me came from memorizing each chapter of Proverbs when I was 13 and then memorizing the book again when I was 14 and reading it through many times in the following years.  

I grew up on a dairy farm. My siblings and I helped on the farm a lot, and Dad paid us by giving us portions from the sales of cows or by giving us calves. I used some of this money to buy beef cattle and thus got more funds. One of my brothers and I also had a lawn mowing business, and I tried never to spend money. I lived at home, used my parents’ vehicles, and didn’t buy myself hip clothing, coffee, or gadgets. I had thousands of dollars in savings by the time I got engaged. However, there is no way at 19 years old it would have been enough to go out and buy an average house.

When I got engaged, it was obvious that we’d need a place to live, and it seemed most sensible to build a house. My grandfather owned a number of pieces of farm land, and he offered to give me the land to build a house on. My grandfather got power put in to the property and set up a submersible pump in the well. He also dug a trench with his backhoe to bury the pipes and main wires to the house.

Dad and Grandpa dug a basement with tractors, and then I rented forms for basement walls from the concrete company so we could set them up ourselves and save hiring labor. We put old scrap metal in the forms instead of buying rebar. The company I bought the cement from also sold me a used concrete septic tank! My dad negotiated a good deal on lumber from a building center. I bought whole pallet loads of OSB and agreed not to return any boards from the loads they delivered. For framing the walls, I bought used boards from a man who was tearing down some old buildings. The boards were rough cut and only had four or five usable feet but they were still solid. We nailed these 4’ 2”x4”s together to make 12’ 4”x6” studs which were spaced every two feet.

Part 2 will complete Amos’ story soon!

 “but teach them thy sons, and thy sons’ sons.”
Deuteronomy 4:9

17 thoughts on “Content in Christ: One Recipe for a Debt-Free Home, Part 1”

  1. Amos is very fortunate that his father and grandfather were able to help him. So few young men are so fortunate, though. My husband and I would like own a home debt free, and we are working towards that, but for the area we live, and given my husband’s income (not small for this area, either!), it will be many, many years before we are able to buy a house. My husbands parents would love to help, but they can’t beyond some money gifts for holidays and birthdays (which we duly save). They didn’t buy their home debt free, though they worked to pay off that debt and don’t really worry about money anymore. Whenever I hear stories like Amos’s, of parents and grandparents helping their sons out, it makes me sad because I wonder if my husband and I will be able to do the same for our two boys. If you all come across a story of a young family able to buy a house debt free without any help, please post it, because it would be such an encouragement!

    1. That’s very admirable that you have not only a desire to own a home debt free but that you are working towards it.

      There are stories of young men in our book Buying a House Debt-Free who bought their houses debt free without help from family, unless you call living with your parents until you are married “help.”

      We didn’t help our sons except for giving them the debt-free vision, encouraging them to be learners and to work hard, to save money, and to allow them to live at home until they were married.

      Did you read the last story we shared? Part 1 was published on our blog March 10, 2017. That young man was an air conditioning mechanic. From his story, the only help he received was living at home.

      While it may still take you many years to own a home debt free, perhaps your sons will do it before they are married or at least have a substantial down payment with little debt left to pay off. You will have helped your sons tremendously by that. I think you will be starting them down the right road with your example, encouraging them to learn and work hard, and teaching them to save. What a heritage!

      1. It’s funny you mention living at home, because my husband’s parents considered it so. They didn’t (and still don’t) believe that adult children should live at home, so my husband had to move out when he was 18. I had a single mother due to a father who would not give up a terrible sin (forgive me for not giving details), so I also lived on my own at 18, because she really couldn’t afford to pay for us both. We will definitely encourage our sons to live at home as long as possible. I do hope our example of waiting on the Lord’s timing for a home will prove a good example for them. We have many years to prepare, since our eldest son is 5 and our youngest son is only 10 months.

  2. I am loving this story already and can’t wait to see it unfold! We too have been helped by the Jim Sammons Financial Freedom DVDs. I sometimes listen to them over again as I’m doing household tasks.

  3. I was wondering about this…what do you think? We have daughters, no sons. Should we train our girls buy a house debt free? It would certainly bless their future marriages to own a home or perhaps they could sell that home if their future husbands also owned homes?

    1. Our girls have chosen to live with us until they marry. If your daughters are living on their own, then it would make sense that a debt-free house would be as good for them as it would be for a son.

      1. Thank you! Our daughters are still young, all under 12, so they are home now. Worth thinking about as they get older. Even if they continued to live with us, owning a debt-free house which perhaps they could use for income until marriage, would be a good thing.

  4. I enjoyed reading this and am looking forward to part 2. What’s really cool is that we homeschool with Accelerated Christian Education too!! 🙂

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