So it has been awhile since I blogged. And I genuinely do have a good reason. To say our lives have been crazy lately is, unfortunately, an understatement. So many things have changed. But one thing still remains the same, and that is for us to get from financial survival to financial success.
So… where are we at? We’re taking Financial Peace University starting in September. I’ve heard so many amazing things about this course for so many years, and the stars (or God ;-)) came together this year so that we could finally do it when it came around at our church. Jeremy is making his own schedule, so he was able (at his wife’s insistance) to get almost Wednesday night off so that we could take the course together. So, there’s that. And I’m pumped about it!
We’re paying off debt. We’ve already got 2 debts paid off (our smallest, a la the Dave Ramsey plan) and we’re working on the third; it should be paid off no later or than the end of this year.
Side note***Let me take a second to clarify something here; we are not a huge debt family. By no means have we ever used credit cards recklessly or anything like that. We don’t hardly ever eat out; we go on maybe one trip a year (which we pay cash for), and we don’t have much of a social life at all (a lot of this is due to hubby’s work schedule, but it is what it is). I just want to be clear on that. We got into debt while I was in school and was not able to work as much (or at all, depending on the course load I was taking). In the 4 years since we had Abbie, our pay has decreased and our living expenses (as well as gas costs and the cost of living of course) have increased. It is for those reasons that we carry what debt we do. We’re not perfect, but our debt has never been about simply living outside our means. ;-) And we don’t use credit cards anymore at all. ***
So we’ve got 2 our of our 4 “major” debts paid off (these are the four I would like paid off before we buy a home). In all, we have 6 debts. Including 2 vehicles, they total almost $25,000. Some would call this huge; others would call it nothing. For me, it’s $25,000 more than I’d like to have.
So we’re doing Dave Ramsey… we’re paying off the debt….And… we’re pregnant!! :O
Juuust kidding! I just wanted to see if you were still paying attention. ;-) I love sharing how we’re doing things with other people, but me rambling on about all this gets kinda boring I think.
Two other things I’m doing?
1. Envelope system (I’m going to post on this later; I’d love feedback as to how others do theirs)
2. Couponing (I will also do a separate post on this).
With all of these things (and NO baby on the way! ;-)), I hope that we’ll be at a level of financial success by the end of the year.
