But I digress. This post is about debt. I don't think I have ever shared the actual number anywhere so I am going to do it here. 153,525.54. Does that seem crazy to anyone else? It's crazy to us. I would like to point out the majority of that is our house and medical debt. Even so as Mr. Ramsey says debt is debt. While this number seems like a mountain we will never be able to climb sometimes, I KNOW we will get there. All it takes is hard work and determination and we have both of those in spades.
When I am not watching our little dude grow or helping our daughter through the hard times and good times of her teenage years and laughing at her jokes (she is hilarious folks!) I am working. I have a part-time job I have had for 7 years but now work from home doing the same thing. I do surveys, amazon turk, swagbucks, I am selling stuff left and right. My husband, god bless that man, he's incredible has been working 55-60 hours a week. Though he does not get overtime (he's salary) it was that hard work that earned him a 16,000 raise last year and a promotion. He is my hero.
The other thing we do is save money anywhere we can, and BUDGET, BUDGET, BUDGET. I can't even tell you how important it is to tell your money where to go before it disappears.
Don't forget to budget some fun things in there, without the fun. life while getting out of debt will be miserable. Remember though fun doesn't have to cost a lot. An ice cream cone and a walk in the park is 1.00. Get a new board game at the thrift store for a dollar and have a fun family game night. Check out a movie at the library. I could go on and on but that's for another day.
So we know we will make it we just have to keep the faith and the determination. If you are ever feeling discouraged in your debt free journey watch this Dave Ramsey speech on getting out of debt. It still gives me chills.
OK guys, thanks for listening :)
Thanks for sharing these posts about your journey to becoming debt free! Have you any tips on how to budget and stick to that budget? I forever feel like as soon as money comes in,it's gone again just as fast. Take care x
ReplyDeleteThank YOU for reading it! The way I stick to my budget is by using cash for each category. I only take the cash I have set aside for that category when I go shopping, if you don't have more money you can't spend more money. That and setting a budget each month I tell every penny we make where to go before we even get it :) I hope that helps a little!
DeleteYou and your husband make a great team! I'm glad you don't easily get discouraged when things don't go as planned. I'm sure there are times that you feel like the walls are caving in on you, but financial freedom doesn't come easy for anyone. Although I know you'll come out of that amazingly. In any case, I hope Dave Ramsey's speech helps you get motivated over and over again. Thanks for sharing that! I wish you all the best! :)
ReplyDeleteTracy Frazier @ Sunnen Law
Aww Tracy thank you!! Yes, Eric is the yin to my yang :) It is easy to become discouraged and I have my moments but I choose to focus on the pay off :D
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