Debt Free Diary- Entry 4

5/15/16

Mind. Blown. There are months with 5 weeks? That means there are months where we get extra paychecks?! What? Where have they all gone?

I am terrified to include them in the budget because I’m pretty sure I must be mistaken. But those checks we got at the end of April that I moved over to May because I didn’t know what to do with them…well…they need a home. That is so much extra money. How have we never noticed this before?

Oh wait, because I don’t pay attention to details and I was the one running the finances. I love planning. I’m good at that. Execution and follow though, the details, definitely not my thing.

It has been so nice doing all of this with my husband instead of fighting against him. It has also been really hard. Budgeting when it was just me took 5 minutes. They also never made any difference in our finances because we didn’t follow them- mainly because I was the only one who even knew what the budget said.

Now, it takes hours of laboring over numbers, trying to make the bare minimum even barer. At the same time, it all feels and seems so doable. I mean, we who have never been able to save a penny, managed to create an emergency fund in a month. Yup, the whole $1,000. That is amazing.

And if this extra check thing is real, then we might have our first debt paid off in a month too. Or buy my clunky Dave car haha. No car loans for me!

I am actually super excited about buying a car for $2000 or less. I wish I would have just kept my Bug and put the money into it that it needed. But I didn’t. Because I didn’t have the money. And I thought a car loan would be cheaper. I had no idea how much car loans cost.

There are so many things I wish that we would have done differently.

Not go out to eat every weekend. Not buy things just because they were on sale. Not buy a house before we were ready. Not lease a car. Sooooo manyyyy things.

I am going to start giving people FPU as a wedding gift because these past few weeks have been better than any marriage counseling.

Debt free by 30 baby, that’s the goal.

About 2 years to pay off over 70,000 dollars in debt.

That sounds crazy.

I’m so excited. We can do this.

Now, what else can I sell? Or cut out of this budget… Gotta keep up this gazelle intensity-run for your life!!!!!

Author: Vanessa

Mom. Writer. Lover of all things DIY. My mission is to empower my fellow creatives to show money who’s boss, ditch debt and follow their dreams. Achieving debt freedom isn’t easy but our dreams are worth it!

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