Making Small Steps Toward Big Savings
This month we transitioned to a monthly income versus the weekly income we were used to. I did a few things to help prepare for the transition. First, I made sure to leave a slight buffer from our final December paychecks rather than adding more to our debt snowball. That way any bills due or… [Read More]
December… the time of year when it feels like everything that is humanly possible to take place is being shoved in the few weekdays available before December 23rd. December was hectic for us, as I’m sure it was for everyone. The first three weeks were non-stop between rehearsals, concerts, recitals, try-outs, doctors appointments… and to… [Read More]
After feeling off kilter the last few months, November was finally a month that I could feel proud of. I was making far better choices when it came to our budget than I have in the last few months, and had made a few extra payments on our snowball beyond just above the monthly minimum…. [Read More]
I talk a lot on here about paying off our debt. Up until not long ago, I was breaking down our entire month’s budget by what we spent in each and every category. But it became tedious to do each month when the categories were so similar. It was then that I made the decision… [Read More]
This month was an eye-opening month. After trying to find a routine to get back into the swing of things, we had some expenses come up this month that I wasn’t prepared for. While I could concern myself with it, I’m trying to learn from it. With that said, here’s our October 2018 debt update…. [Read More]
Each month I chronicle our progress on our debt free journey. Since I have been absent for a few months, I didn’t get a chance to update you all on our debt free progress. This is our summer 2018 debt update. Summer 2018 Debt Update Throughout the summer, we paid $6,869.67 on debt. Credit Card: $2,239.67 Credit… [Read More]
Each month I chronicle our progress on our debt free journey. This is how we did for April 2018. April 2018 Debt Update In April, we paid $1,143.61 on debt. Credit Card: $413.61 Credit Card 2: $0 — no minimum payment due until May Student Loans: $230 Mortgage: $500 If you saw my post in Instagram, this year… [Read More]
Before we started to get serious about paying down debt, we knew we had debts. Between the car, credit cards and our student loans, it was no surprise we had debt. But we didn’t know exactly how much debt. We knew rough estimates on who we owed to who. Let’s be honest, we were having… [Read More]
Each month I chronicle our progress on our debt free journey. This is how we did for March 2018. March 2018 Debt Update In March, we paid $1,145.38 on debt. Credit Card: $415.38 Credit Card 2: $0 Student Loans: $230 Mortgage: $500 You’ll see from above that we’ve added another credit card to the list. That’s the biggest change… [Read More]
When you’re just starting on your debt free journey, you’re encouraged to find things in your budget that you can cut back on, or cut out entirely, to help increase your income and pay off your debt faster. For some people, cutting back on, or stopping your retirement contribution entirely, falls into this category. But… [Read More]
