Browsed by
Tag: The Total Money Makeover

How can you stay motivated in Baby Step 2?

How can you stay motivated in Baby Step 2?

Getting out of debt can take a long time! We’ve only been on this journey a few months and I am bored! I want things to move faster! I have dreams and I want to get in BS4, 5 and 6 like yesterday! When I am having a bad day and get frustrated that things aren’t moving as fast as I’d like (you know, I am sad that we haven’t won the lottery and we’re in BS4, 5 and 6…

Read More Read More

Patience pays off!

Patience pays off!

Sunday 1stAugust 2021 Hello y’all and happy Sunday to you! I am excited to say that Bob has just sent me a text that reads, “So, listening to Ramsey. He says we should have emergency fund of $1,000 and then clear off debt. I have $9,000 in emergency fund and $12,000 in credit card debt. Shall I use $8,000 to pay off some of credit card?’ My reply, “Yes!”. I wanted to share that because tomorrow we will be celebrating…

Read More Read More

My husband is listening to The Total Money Makeover!

My husband is listening to The Total Money Makeover!

Thursday 29thJuly 2021 Bob was cooking supper today and when I walked into the kitchen, he was listening to The Total Money Makeover. This is just too exciting! I have been asked Bob to read / listen to the book for the last seven months. I asked him how it was going, and he replied, ‘It makes sense.’ Praying that Bob will complete the book, praying for the positive changes to come, praying and believing that we will be on…

Read More Read More

Our total debt is $18,348

Our total debt is $18,348

Saturday 24th July 2021 Bob still wasn’t keen to reveal our total debt, so I basically kept bothering him to find out. Not ideal I know. Here’s what he, begrudgingly, told me: Credit Card 1  $384 Credit Card 2  $1330 Car Loan $16,634 Total:  $18,348 I was totally calm, didn’t fly off the handle and told him that it’s not horrendous and we could use our Florida savings ($23,372) to clear that all off. He totally wasn’t happy about that…

Read More Read More

Budget Breakfast

Budget Breakfast

Thursday 22ndJuly 2021 This morning, I took the family out for a light breakfast (coffee and pastry). It was a great opportunity to discuss our budget as a family. I had suggested this on Wednesday, so it wasn’t a surprise to either of them.  It was great! Bob had a good look at the ‘Every Dollar App’ and inputted some of the data. Better still, when he when shopping later that day – he kept to the list and paid…

Read More Read More