I loved LOVED Christmas morning! 🙂 Last year, Chae was so small; Christmas was SO simple. Last year we seriously just took things from around the house and called them presents. haha. She’s so cute hidden in that swing. Here’s … Continue reading
Lately I’ve really been feeling the blessings of Financial peace. My husband and I have paid off over $32,000 in the last 2 years and we only make $45,000. I’m really really proud of us. We are getting to the last haul and it is really exciting.
We owe $835.62 in Medical bills from when our daughter was at Primary Children’s her first week of life, $3,019.15 on Brett’s student loans and $9,760.29 on my student loans. Total of $13,615.06 left!! We started with about $45,000 in debt.
Our initial debt broke down to $1,000 on credit cards, $9,000 in Auto loans, $8,000 in medical bills, $15,000 in student loans, and $12,000 in stupid tax. (Stupid tax is when you do REALLY stupid things with money. I personally think all credit cards should fall under stupid tax because they really are just STUPID). Our stupid tax consisted of putting our tv, xbox, our wedding rings, my wedding dress, my bridesmaids dresses, our wedding venue, our honeymoon, our catering for the wedding – pretty much everything for our wedding was paid for with credit. STUPID!!
Paying off all that garbage has been hard. But SO WORTH IT!! Every week we have money left over to throw at our debt. We don’t have to worry about how we are going to pay our bills. We have it under control. But that is because 2 years ago we decided to take control. You don’t just stumble upon financial peace. You WORK for it. HARD. We did however stumble upon Dave Ramsey in January of 2012. He is a life saver. I’m so glad we crossed his path and DID SOMETHING about it.
People probably think that we are weird with our money. We pay cash for everything and for one year we shared a cell phone. For a while, we also only had one car too. When we felt like we were ready, we each got our own cell phones. And we recently bought a second car (with cash). After a year without these extra items, we are feeling very spoiled now. We have ZERO car payments. I LOVE that.
Normal is broke folks. BE WEIRD! Take control of your finances, be intentional with your money.
If you need help getting started, please feel free to ask. I can provide you with tons of resources. I can go with you to FPU. I’ll do what ever you ask. But I can’t just jump in and fix it. That’s your job.
YOU have to WANT it to make it work. If you don’t care, becoming debt free won’t work for you.
Financial peace is up to you. Are you going to be weird?? We are.
Thanks for reading.