Into the New Year!

Well 2017 is definitely gone, bringing all the dreams and promises of a new year.  Topping our list of goals this year is  getting out of consumer debt.  We didn’t hit our mark, to completely be out of debt by the new year, but we hope to hit it before my birthday!  We started this year with about 16,000 in student loan debt.  We have been pretty aggressive selling the boat and working a ton of overtime.  As of March 1st, we owe a little over 5,000.

The decision to sell the boat was a tough one!  We really enjoyed our weekends on the lake, and we know that we will want to replace it.  But stretching out Baby Step 2 another 6 months was not worth it to us.  We wanted something faster and bigger anyways, so that will be on the list in the next year or two to purchase.

Getting this close to being out of debt brings up so many fun ideas for the next year.  There are several improvements we need to make to the house, so after saving our 3-6 month emergency fund, we will cash flow those.  It is so unbelievably freeing to be this close to our goal.  I can’t explain the feeling, but I highly recommend it!

How is your debt journey going? I would love to hear from you!  What lessons have you learned along the way?  I know I have learned that sometimes we need to take a step down off the gazelle train and live a little. There were several times we just needed to breathe, to spend quality time together. As long as you budget and don’t increase your debt during those times you need a break,  you’ll be just fine!

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The Beauty in The Feast

Working like crazy this month has got me wanting to eat out!  That is not in the budget guys! I find myself contemplating it, especially on those late nights packed with activities with the kids.  I have been able to resist so far, and here is how…

Keeping easy options on hand

It’s a lot less tempting to spend a ton eating out if you have easy things to fix at home.  Pizza, cold meat sandwiches, chili dogs.  I would say I plan easy meals like this at least twice a week, and if I don’t use them, no big deal.

Keep snacks in your car

I am always grabbing some bananas or granola bars on my way out the door. I have even been known to have a pack of waters in the back, just in case.  Kids will be kids, and you don’t want to be 20 minutes from home with 3 hungry kiddos.

Keep your eyes on the prize

When your hangry, nothing else matters.  Sometimes I have to eat a snack, turn on a finance podcast, and reconsider.  No loaded stromboli or milkshake is going to taste as sweet as total debt freedom.

Reflect on success

Look at how far you’ve come! It’s too late to turn back now.  Even if you have only started, making the commitment to becoming debt free is serious business.  Now you can say you know better, and a little planning ahead will keep you on track!

March Madness

March has been a crazy month so far! We have been working our tails off trying to milk this 3 paycheck month, evidenced by my lack of blog posts. This week I have had a little break, but so far all I have accomplished is a lot of laundry.  I want everyone to know I am still here and cheering you on.  I think about everyone else who shares this dream with me, the sacrifices they are making, and how sweet total debt freedom is going to taste to us all! Soon…very soon!

We celebrated Abram’s birthday this past weekend.  I had planned to have a big party at the local bounce house, but what started as a dinner ( We always have a special dinner, the kids choice, and homemade cake the day of their actual birthday), grew into a great party with family.  It was absolutely perfect. It was nice for everyone to be able to come last minute!

This week we will spend time with friends, and focus on homeschool.  I am hoping for a warm weekend so we can kick back and watch the kids play outside. I hope you are having a good week!  What do you have planned? How are you taking advantage of the extra paycheck this month?

GIVEAWAY TIME!!

THE WINNER IS:

Jessica Howell

To celebrate a full month of blogging I am giving away my own copy of Total Money Makeover!

This book was life changing for me and I can not wait to share it with whoever wins!

Step 1- Follow our blog, click the plus sign in lower right corner and enter your email!

Step 2-Like and comment on this post via Facebook!

 

 

Winner will be chosen March 31st! Good luck!