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...