The month as just blown by. I've been working everyday, 12 hours a day. I've worked 18 days in a row so far. These extra hours will may some really good pay checks. We needed the extra money to fix my car and buy material to finish the outside of our house.
A few days ago, we decided to do our Christmas budget, so I asked my wife put one together. I suggested we try something different this year. We have twice as many people to buy for on my side of the family than my wife's side. I have 3 Christmas's on my side, and my wife just has 1 Christmas on her side. So I suggested to wife, that we should spend the same amount of money on each side of the family. It didn't seem fair to have to always spend more money on my side of the family. We didn't budget any money for me and my wife to get each other anything. Maybe when we get out of debt, we will get each other Christmas presents.
After making out our budget for Christmas, we realized our gift money is going to be short. We have been saving the same amount of money each month to our gift fund. It has worked well for all the birthdays we give presents toward. But it seems like we needed to save a little bit more each month. We will probably adjust it a little and hope we come out better next year. For this year we decided to add some of our extra money this month into our gift fund.
Also we had enough extra at the end of the month to pay an extra payment of $1030.00 on our debt.
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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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