Thursday, July 8, 2010

The Beginning

Ok, so I have had a few setbacks. We didn't get to have the garage sale due to rain, but we will. I received my Total Money Makeover book and workbook in the mail last week, but due to my Aunt having a stroke and then passing away a few days later, I did not get started reading it until today. I must say it is a very interesting book and really makes you think about the way you spend your money. I have started keeping a log of how much money I spend and where. I also sat down today and worked out a budget that I hope to stick to. My first step is going to be to get a $1000.00 Emergency fund. Once I have that done, I will start paying extra on my credit cards and hope to have those paid off within 6 weeks. After that, I will start on paying extra on the student loan that we had to take out to send our oldest daughter to Syl@n Learning Center....we don't want to talk about that....Once that expense is paid off, I will work on the trucks, then the trailer, then the mortgage. I am hoping to have the book finished by the end of the month and then beginning Aug 1, starting with my plan. I will keep you all updated!

What a Week....

WOW!! The last couple of weeks around here have not been the best. It all started with my aunt having a stroke and passing away several days later and all the stuff that goes along with that. My poor cousin, mother and grandparents are having a tough time with it. Aunt Gail will be missed. On top of that, it has rained and rained and rained some more. So needless to stay it is hot and humid!!

On a lighter note, how was your July 4th?? Ours was pretty nice. We went down to our neighbors house for food and fireworks. I hate buying fireworks. Yes, they are neat, pretty and all and they are fun for the kids. But I have such a hard time not thinking, "there goes money.....literally up in smoke!" Call me cheap, chinchy or whatever, but I am so determined to become debt free that I have a hard time justifying that kind of expense...and when I say "that kind of expense", I mean $100.00 worth!! Yes, the wonderful hubby spent $100.00 on FIREWORKS!

Speaking of being "debt free". I have started reading Dave Ramsey's, Total Money Makeover. It really is a good book and makes you think alot about the way you spend money. I plan on having the book finished by the end of the month, so that I can start in August on becoming debt free. I will be doing post documenting our "journey" to become debt free under the Total Money Makeover tab at the top of my blog. I hope you will follow along and maybe even join along.

I know I haven't posted any pics, but maybe I will get that accomplished along with some scrapbook layouts tomorrow since the girls are gone to their grandparents house and there is no telling when they will come back. Their grandparents live on the lake and have a blast while they are there. Well, it is going on 9:00 here and I am kinda tired, so I am going to get off of here. Hope you all have a FABULOUS Friday!!