Were are Halfway Through January. We are sticking to the budget. My Birthday was this last week. So we planned to go out this weekend to eat out for the first time this month. I was looking forward to it for a while. But after we got there, my son spilled his entire glass of lemon aide, switch spilled on my lap. Which ruined my experience at the restaurant. This got me Thinking.....
When we plan out something which should end with a desirable result. We are very disappointed when the result is different than what we planned. This is probably one reason why people give up on a budget. They plan it out and put it work, but something happens and the budget breaks. Since we are so disappointed that the plan didn't work we just say "forget it, I'm done". But this is just life. Just brush it off and say "it will end up be better next time". Don't give up when disappointment strikes.
So far we are doing great this month. My wife and I have picked up any extra work we could. We have probably added an extra $1000 to our budget. We have budgeted $400 for Groceries and household items. So far we have spent around $210 dollars and I just went shopping 2 days ago. I was afraid we would go over budget on this, but it seems to be on track.
With extra work we should be on track for a large snowball debt payment by the end of the 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.
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