A 7-year-old boy brings a miracle to the life of a homeless man on Christmas Eve through his act of kindness.
Christmas is a sad season and meant only for the rich. The phrase came to Cameron in an instant after the crowd’s murmur jolted him awake and named him for the amorphous depression that had plagued him all evening.
It was snowing once again. The sky was still dark, and people were pouring in and out of the Walmart store where he was lying on a carton, cuddled up in an almost torn blanket and a black jacket, which he hadn’t changed in a long while.
Of all the millions of people in Florida, he was practically the only one who had decided to sleep early on Christmas Eve to avoid the constant pain he was feeling — partially due to betrayal he’d experienced and partially due to the bruises that had covered almost every inch of his face.
Cameron was begging outside a Walmart store | Photo: Shutterstock
Cameron was a wealthy pharmaceutical manufacturer in Texas, and he and his friend cum business partner Nicholas had been on their way to Florida for a business deal a few days ago. Little did Cameron know it was all a dirty ruse to get him out of the way, and he’d be in a terrible state one day.
The evening all this happened had started like any other. Nicholas had come to Cameron’s house to discuss the plan. They had agreed to meet someone on the outskirts of Florida who would lead them to the city’s central plant, where the pharmaceuticals they were interested in producing were manufactured.
As Cameron and Nicholas approached the plant’s outskirts, a man in his 30s approached Nicholas and asked him to exit their car alone. Nicholas told Cameron to stay inside.
Nicholas and the strange man stood at a distance from the car, talking about something, occasionally looking at Cameron and pointing to the building where they’d arrived. They soon walked away, with Nicholas motioning to Cameron that he’d be back shortly.
What are they even discussing? Why on earth would that man want to talk to Nicholas alone? Cameron’s mind raced with the most bizarre suspicions at their sight.
Cameron froze in shock when he answered Nicholas’ phone | Photo: Pexels
Suddenly, Nicholas’ phone, which he’d forgotten in the car, rang, and a shock ran through Cameron. The wallpaper on the phone was a picture of Nicholas and Cameron’s wife Linda kissing, and the contact that flashed across the screen was named “love.”
Is it possible this could be Linda? Should I pick up the call? Cameron was baffled.
Nevertheless, he answered it, and his suspicions were confirmed. “Hi honey, did you reach safely? Did you manage to get rid of that idiot Cameron?” the voice asked.
Cameron recognized it was Linda. It was her voice. And the deal that Nicholas had organized wasn’t a pharmaceutical one. It was all a plan to get rid of him, and Cameron realized it late.
He immediately got out of the car and began looking for a way out, but two men dressed all in black stood in his way. Nicholas and the strange man soon appeared from behind them, Nicholas smirking. “I’m sorry, Cameron. I didn’t have a choice. I’m hoping you’ll forgive me.”
Cameron was attacked and dumped on the outskirts of Florida by Nicholas | Photo: Pexels
That was all Cameron remembered when he opened his eyes one day and found himself in an underground tunnel in the outskirts of Florida. His wallet, phone, and money were all gone, and one side of his face was covered in dried blood.
It had probably been days since he’d been left alone there in the tunnel. Perhaps he’d been attacked on his head, hence, the blood, he reasoned.
He slowly left the area and climbed up, his head still throbbing from the pain, until he reached a highway where all he encountered were large spreads of crops and an eerie dead silence.
Fortunately, he soon encountered a kind truck driver who was on his way to the city to sell some of his produce and offered to give him a free ride to town as well as the old blanket he’d been using to keep warm.
Cameron somehow reached the city that day, but he didn’t know what to do after that. He was very weak and tired and barely made it to the nearest Walmart store. His stomach was grumbling with hunger, and he felt light-headed as if he would collapse.
Cameron was weak and tired | Photo: Pexels
At this point, Christmas was just a day away. Cameron had clenched his fists around his stomach, attempting to quiet its growling and alleviate the pain he was feeling. He couldn’t remember when he’d last eaten, but it had been several days because he was tired and exhausted.
Considering it was Christmas and a kind soul would help him out, Cameron opened his overcoat and folded it several times to make a bowl-like container out of it. He wrapped himself with the old blanket he had and sat there begging for food.
“Excuse me, ma’am. Can you please get me a loaf of bread?” he asked a woman who’d just come out of the Walmart store. She didn’t offer him anything; instead, she sneered at him for being homeless and then walked away.
The second person that walked past Cameron gave him a judgmental look, and a few others pulled their kids away, labeling Cameron as a “homeless freak,” advising them to stay away from him.
Poor Cameron’s eyes welled up. He lowered his head and tucked it in the circle of his hands, and started crying. Suddenly, a squeaky voice of a child interrupted him. “Please take this before my mommy finds out!” the child said.
A little boy came to Cameron’s rescue | Photo: Pexels
Cameron slowly lifted his head to see a boy of about 7 standing in front of him, holding a box of chocolates. “It’s Christmas, and everyone enjoys chocolate on Christmas. I hope you enjoy it as much as I do,” he said with a smile.
Cameron couldn’t stop crying at the boy’s sight. “Thank you very much, young man! You have no idea how much you’ve helped me!” He sobbed as he accepted the box.
“I have to leave now. Otherwise, mommy will scold me. Bye!” the boy said, preparing to leave, but as he turned around, he saw his mother standing behind him, her hands on her waist, giving him a stern look.
“How many times have I told you, Tom, not to leave my sight? There are so many people here, honey! You could get lost!”
“But mom!” Tom cried. “I was telling you something, but you weren’t listening to me!”
Tom offered chocolates to Cameron | Photo: Pexels
“Didn’t I buy the chocolates for you, Tom? What else do you want? Honey, you should know that I work very hard to support you. I already bought you your favorite toy car and chocolates.”
“No, mom!” Tom said. “It’s not about me. When we were coming to the store, I saw nobody was helping him, mom. So I bought the chocolates for him!” Tom pointed at Cameron, who was holding the chocolate box in his hands and looking intently at Tom and his mother, Jade.
“I’m sorry, I didn’t know the boy troubled you for this. You can take it back,” Cameron said, returning the box, but Jade refused and instead offered him help.
“You look sick. You have so many injuries on your face. You can come with us, and we can get you checked,” she suggested.
“Thank you!” Cameron cried. “That’d be really sweet of you! But…Can you please lend me your phone…I – I need to…” Cameron had just started speaking when he felt disoriented, and grabbed his head, crying in pain. Looking at his condition, Jade drove him to the hospital, where the doctors informed her that Cameron would need to stay for a while due to a head injury that required treatment.
Cameron was unconscious, and Jade decided not to leave the man alone. She and her son stayed with Cameron that night in the hospital.
Jade offered to help Cameron | Photo: Unsplash
When Cameron awoke the next morning, he told his entire story to Jade, and with her help, he reported the incident to the police.
Jade visited him every day and looked after him while the cops were investigating his case. When Cameron was finally released from the hospital, Jade took him home and allowed him to stay with him as long as he wanted.
Cameron discovered that Jade was a single mother who had divorced her abusive husband. As they spent more time together, Cameron felt himself growing closer to Jade, and the two eventually fell in love. Cameron proposed to her, and the woman nodded a yes. However, Cameron requested that they marry after he had reclaimed what was rightfully his. Cameron took off to Texas to settle his case after Jade agreed.
However, when he arrived, he discovered that his company was on the verge of going bankrupt, and Nicholas and Linda had run away after squandering all of the money.
Cameron had to stay in Texas until the case was settled. It took a few months, but Linda and Nicholas were eventually found. They had been hiding in a remote area of Texas. Cameron filed for divorce from Linda as soon as the cops caught her. Wrapping up everything took another two months, but Cameron was glad his wife and his best friend paid for their sins.
Jade and Cameron lived happily ever after | Photo: Pexels
Cameron flew back to Florida, relieved that his ex-wife and friend had paid for their actions. He and Jade got married at a church and welcomed a baby girl soon after.
Cameron began a new life with Tom, Jade, and their little baby girl Angela, forgetting the ridiculous past and moving on with his life.
What can we learn from this story?
- One act of kindness can make a huge difference in someone’s life. Cameron’s life was transformed from a miserable one to a happy one, thanks to little Tom’s kindness of offering him chocolates on Christmas Eve.
- Learn to be helpful and kind. Little Tom helped Cameron without expecting anything in return, and that single act changed Cameron’s life forever.
If you enjoyed this story, you might like this one about an old millionaire who leaves behind a gigantic $5.3 million mansion after his death, but there’s a twist: neither his wife nor his daughter inherits it.
This account is inspired by our reader’s story and written by a professional writer. Any resemblance to actual names or locations is purely coincidental. All images are for illustration purposes only. Share your story with us; maybe it will change someone’s life.
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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