Ruth McKeague

Ruth McKeague is a retired teacher and lives in Ottawa, Canada. For six years, she chronicled her journey out of debt on her blog, Prudence Debtfree.

No Regrets

One Monday morning, about an hour into the workday, I checked my emails. “Sad” was the subject heading of a personal message, and I opened it up, curiosity piqued. “Sad” did not begin to describe it. I learned that our friend Roy had died suddenly the day before. He had been cycling with his wife Sunday afternoon when he became the victim of a hit-and-run accident. The words swam before my eyes, and I functioned in a fog for the rest of the day.

Abundance or Excess

When I was 19, my then-boyfriend told me that his mother, on a recent business trip, had been in a restaurant where people paid $50 for lunch—which would be three times that in today’s dollars. He said that he dreamed to one day be in a position to buy that kind of lunch. “That’s freedom!” he said.

Debt Reduction and Wealthbuilding

Reading the blogs of other people fighting debt helps me keep my resolve in focused debt reduction. As I browse articles that relate to where we’re at in our journey out of debt, I often sift out those to do with investments and savings. There is an overlap between writings on the subject of debt reduction and those on the subject of wealth building, and while I’m 100% in when it comes to eliminating debt, I struggle with the concept of building wealth. Where I associate debt reduction with becoming responsible, exercising discipline, and cleaning up my act, I have tended to associate wealth building exclusively with greed and selfishness.

Stepping Out from a First-World Mindset

Almost every single day, I’m struck by how lucky I am to work where I do. I’m a teacher at an inner-city school that serves families from all around the world. I work in the library, where it is normal to see, at any given table, a group of four students working together who represent four different continents, four different languages, and four different faiths. The UN could learn a lot from my school.

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