It's a new month and new events are happening!!!
March brings:
~My Birthday...YAY!!!
~Spring Break
~Week Home in VA
~Spring
~NO MORE DI!!!
~More Weight Loss
~More Debt Reduction
~Less Stress (Hopefully)!!
~More Self-Growth....is that even a word
~And Lots more I'm sure!!!
Sunday, February 28, 2010
Friday, February 19, 2010
So how are we doing on our new year's resolution....
...GREAT!!!! Justin and I have made huge changes in our spending habits. We both have a monthly "allowance" and have a very tight budget to allow for as much money as possible to go to debt repayment. This has really opened our eyes about how we spend our money....and I don't think we can ever go back to spending money like before.
....We are also communicating so much better because of all this and laying out plans for an amazing future. I never understood what people meant about money being the biggest issues in marriages.....but now I totally get it.....and money WILL NOT destroy this marriage...
...on another note....I am trying to eat healthier.....I know most women say this at least 4 times a year....but I'm trying to form good habits and track what I eat.
I was doing an internet search the other day and ran across http://www.livestrong.com/. This is an amazing website for tracking what you eat and knowing info about the food you are eating. My goal is to only eat 1521 calories a day........and so far I have been doing awesome. Every day when I get home I enter what I eat and make sure I'm staying below my target. I hope to lose about a pound a week. We will see.
....We are also communicating so much better because of all this and laying out plans for an amazing future. I never understood what people meant about money being the biggest issues in marriages.....but now I totally get it.....and money WILL NOT destroy this marriage...
...on another note....I am trying to eat healthier.....I know most women say this at least 4 times a year....but I'm trying to form good habits and track what I eat.
I was doing an internet search the other day and ran across http://www.livestrong.com/. This is an amazing website for tracking what you eat and knowing info about the food you are eating. My goal is to only eat 1521 calories a day........and so far I have been doing awesome. Every day when I get home I enter what I eat and make sure I'm staying below my target. I hope to lose about a pound a week. We will see.
Tuesday, February 2, 2010
Debt
..So Justin and I are in debt....a lot of debt...
We both graduated from Bridgewater College which left us majorly in debt. I knew I would have to pay back this money and I have. I always pay my bills and thought I was doing the right thing and I was ok. Justin and I bought 2 vehicles in our first year of marriage (which were kinda needed, but still more debt), we also have some credit card debt. I never thought a lot about the debt except for the credit card debt, because I knew that wasn't GOOD debt. But I've come to realize debt is debt....I don't like it and want it gone ASAP.
Justin and I have never been ones to put tons and tons of stuff on our credit cards, our move to Texas was almost $2000 all of which went on Justin's credit card. To get my Texas teaching license ended up costing around $500....and little things in between. So at least we don't have to change our lifestyle, we just have to be aware of where our money is going.
I consider myself a good money manager and never thought I needed to get books about getting out of debt. I actually love teaching this unit to my students and may even get to teach a whole class on it next year. I've also dreamed about working for a bank in the role of a financial educator.....you get the point I love this subject.
My mom always talked about Dave Ramsey and his ideas on the matter and I agreed with most of his ideas. So, the other day I went to Target and picked up a copy of his book. I haven't read all of it but it got me thinking. So I went and got all of our statements out and added everything up. I had NO IDEA how much debt we were really in. I then went a little over the top and made spreadsheets for everything and keep track of our debt repayment. I even went back to 2007 and tracked our debt over the 2 and 1/2 years.......CRAZY!!!
So Justin and I made a budget and are keeping a very accurate record of our money. I feel like we are finally attacking our debt and setting ourselves up for a debt free future. We are going to get rid of this debt sooner rather than later. I would love to offer my assistances to anyone who needs help getting your finances figured out and help you make a plan to repay your debt. I have not said how much Justin and I are in debt because it is a very personal issue, if you want help please know I will not judge.
...thanks for listening...
We both graduated from Bridgewater College which left us majorly in debt. I knew I would have to pay back this money and I have. I always pay my bills and thought I was doing the right thing and I was ok. Justin and I bought 2 vehicles in our first year of marriage (which were kinda needed, but still more debt), we also have some credit card debt. I never thought a lot about the debt except for the credit card debt, because I knew that wasn't GOOD debt. But I've come to realize debt is debt....I don't like it and want it gone ASAP.
Justin and I have never been ones to put tons and tons of stuff on our credit cards, our move to Texas was almost $2000 all of which went on Justin's credit card. To get my Texas teaching license ended up costing around $500....and little things in between. So at least we don't have to change our lifestyle, we just have to be aware of where our money is going.
I consider myself a good money manager and never thought I needed to get books about getting out of debt. I actually love teaching this unit to my students and may even get to teach a whole class on it next year. I've also dreamed about working for a bank in the role of a financial educator.....you get the point I love this subject.
My mom always talked about Dave Ramsey and his ideas on the matter and I agreed with most of his ideas. So, the other day I went to Target and picked up a copy of his book. I haven't read all of it but it got me thinking. So I went and got all of our statements out and added everything up. I had NO IDEA how much debt we were really in. I then went a little over the top and made spreadsheets for everything and keep track of our debt repayment. I even went back to 2007 and tracked our debt over the 2 and 1/2 years.......CRAZY!!!
So Justin and I made a budget and are keeping a very accurate record of our money. I feel like we are finally attacking our debt and setting ourselves up for a debt free future. We are going to get rid of this debt sooner rather than later. I would love to offer my assistances to anyone who needs help getting your finances figured out and help you make a plan to repay your debt. I have not said how much Justin and I are in debt because it is a very personal issue, if you want help please know I will not judge.
...thanks for listening...
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