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Showing posts from December, 2016

Just the Essentials

As we get ready to turbo-charge paying off our debt, it gets obvious that we either need to cut costs or increase our income - or even better, do both!! Ben's willing to pick up extra shifts and I've been looking into what I can do from home, while also homeschooling. If you have any ideas on that - let me know!! For cutting costs, we went through our bank statement to see what exactly we're spending our money on, where we can spend less, and what we can completely stop throwing money away on. We came up with a list of essentials and non-essentials. This will be especially helpful when there's a good deal ("but it was such a good deal!" I'm not the only one who falls victim to this mentality right?). If it's not on the essentials list - we ain't buying it! Here's our list: Essentials                                                   ...

Gazelle Intense

I've been a fan of Dave Ramsey for several years. But even though we've been fans; listening to his podcast, reading his books; we haven't gone full gazelle intense yet. Well guess what?! 2017 is the year!!! We're going gazelle intense!!!! I'm crazy excited!!! So what is gazelle intense? Basically, it's getting really focused and really angry at your debt. Angry enough that you want to kick it to the curb and get it out of your life for good.  I feel like I've been working on paying off all our debt forever!!!! and I'm sick and tired of it! What's worse is the reason  why  we haven't paid it off is because we HAVEN'T been following his plan by the  book  (literally☺). We've used our credit card instead of an emergency fund, we've signed up for more student loans when we should've cash flowed, and we didn't do the snowball, instead we paid extra in drips and drabs.  No more! and I'm super excited. I'l...