May Debt Recap

Happy June! We are so excited for the longer, slower days that summer brings especially with a toddler that can now enjoy a lot of fun summer activities! May was an alright month in terms of budgeting and saving. We started off the month with an unexpected trip to the clinic for our daughter and […]

April Debt Recap

We went a little YOLO in April – do you guys ever do that with your spending? We’ve got this perfect budget but something unexpected (but “necessary”) comes up. That one unplanned expense leads to more and more because hey, if the budget’s already blown we may as well live it up! Starting to sound […]

March Debt Recap

Happy Easter everyone! March was a month of financial changes for us. For the first time ever we are claiming more than zero on our W-4s! We used the IRS Withholding Calculator to determine exactly what we need to claim so that we don’t owe any taxes OR pay too much and so far it looks […]

February Debt Recap

Cold and dreary February is over and it’s beginning to look like spring! February really busted our chops, and not just the cold weather. Murphy hit us in the form of multiple illnesses and a flat tire plus a friend’s baby shower that we knew was coming but neglected to plan for. Add that all […]

January Debt Recap

Phew, January is finally over! Did anyone else feel like it just dragged on and on? (Did you see the memes?) It was long but it was a great month! We started the year finishing up our Christmas break and taking care of flu-ridden family members and (almost) avoiding getting sick ourselves. The end of January/beginning […]

Are We On the Dave Plan?

Are you familiar with Dave Ramsey’s baby steps? You can read all about them in The Total Money Makeover. Here’s a quick overview: Baby Step 1: Save $1,000 cash in a beginner emergency fund. Baby Step 2: Pay down ALL your debt but the house using the snowball method. Baby Step 3: Build your beginner emergency […]

December Debt Recap

I hope everyone had a lovely Christmas and New Years! To keep us accountable and honest I’m going to post the numbers at the end of each month. This way we’ll see how we’re doing on our debt freedom journey and you will hopefully be encouraged by our progress. The Budget Savings: $120 (actual -$70) […]

Debt Free in 2018!

Sunrise

In August I decided to take on a second part-time job because, ironically, it enabled us to afford child care while I’m at my first part-time job. It was a hard decision; I so enjoyed being a mostly stay-at-home mom and my husband has worked very hard to make that possible. But when I explained […]

Hello

My husband and I have been carrying around roughly the same amount of debt for about 5 years. Every so often we add up the numbers, wallow in self-pity about how bad it is, make an aggressive plan that we follow through on for a few months and then go back to our old ways. […]