April was our highest income month this year. We were able to Cash flow some of the home improvements that we had done. That way, were use less of our money we had saved. So we still have money saved, which will hopefully buy carpet. Then the house should be mostly done.
Since it was a high income month we decided to budget ourselves a little more blow money. And we budgeted more for entertainment & dining.
Our automobile fuel costs were $150 extra dollars. Our phone expenses were higher because I added minutes to my Tracfone.
When the month was over we payed an extra 2101.42 on our debt.
We also had my Wife's and Son's birthday's this month. But with our Envelope system, we had been saving up money for Gift's every month. We had enough to buy all the presents and still had money left in the envelope. All in all a good month.
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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.