This was a very busy month. I haven't had anytime to write on this blog. I thought the overtime was over, but it wasn't. I had to work 50 hour weeks all this month. Plus with family Christmas dinners and Christmas shopping, I have stayed very busy.
As for Christmas. We had a budget and stuck to it. We had saved the money for Christmas over the coarse of the year. To cut back costs on gifts, my wife and I didn't get each other anything. Also we didn't exchange gifts with my sister and her husband, we just got presents for each others kids.
We also used online purchases to stay away for large crowds after thanksgiving. Most stores offered free shipping on orders over a $100, the weekend after thanksgiving. We also got a lot of gift cards this year. Some stores offered to send you the gift card, inside of a personalised Christmas card for free.
Our Christmas was paid for in cash, and that makes it a success. Last Christmas we weren't on the Dave Ramsey plan, we weren't saving, and we weren't living on a budget. We had a lot of stress last year. This holiday there may have been a little stress, but none of it was about money.
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My families journey down the road of becoming debt free and finanicially sound.
Baby Step 3 Status
$10,000 emergency fund goal
Paused Baby Step 3 at $2500.00
Paused Baby Step 3 at $2500.00
Baby Step 2 Status
Started Total our Total Money Makeover on January 1st, 2010 with $49,705.46 in debt, not including our mortgage.
April 13th, 2012 we paid off the last of these debts. It took us 28 months and 13 days.
April 13th, 2012 we paid off the last of these debts. It took us 28 months and 13 days.
The Road to financial peace.
This is a record of our journey in finding financial peace. We are using the baby steps in Dave Ramsey's - Total money makeover, book. We will be trying to follow his plan as close as we can. We hope to have an end result where we have no debt, have a large emergency fund, are saving for buy everything, are saving for our kids college, and are building wealth for retirement.
When we started this plan on January 1, 2010. I was 32 years old and my wife was 31. We had been married for 4 years. We knew this plan would take a few years before we were on the last step in the baby step process. But we are dedicated not to give up.
This blog is to help us keep on track, and keep us focused on our goal.
When we started this plan on January 1, 2010. I was 32 years old and my wife was 31. We had been married for 4 years. We knew this plan would take a few years before we were on the last step in the baby step process. But we are dedicated not to give up.
This blog is to help us keep on track, and keep us focused on our goal.