So we've been chasing debt freedom now for years. First paid off the credit cards, then the student loans, saved up for maternity leave, then more credit cards once we put a small addition on our house, and now finally we only have a loan left to my mother. She insists she does not need the money and that we should play catch up on all the house repairs and wants we've neglected the past few years and pay her back later. It feels weird being able to spend money on the house or even ourselves. We've worked so long to budget and pay things down I thought being able to spend would be more enjoyable than this!