I posted this picture last week. Our Good friend took this picture for us (she's an awesome photographer, http://www.kallimaphotography.com/ for more pics and how to get her to take yours!) But this picture says soo much about our first year. Our one year anniversary was yesterday and we celebrated by packing a picnic and going to the beach! Way to be Frugal! Thank you to my family who sent us gifts in the mail, we put it all towards our "emergency fund". We decided to start Dave Ramseys Program "Total Money makover". The first step is to establish an emergency fund. We are putting every penny to this fund because once we reach $1,000 in it we can move onto the next step which is the debt snowball! Tats when things get really fun as you watch your debt disapear. We are hoping to be completely credit card debt free by next January if not sooner, then we are moving on to the student loans! Once we have that done we can REALLY start having fun and looking for a house!!! Yipee, I can not tell you how exited we are to have complete control over our finances! I hope to keep ya'll posted on our progress!!!
Heres what we have completed so far on our journey:
1. Stopped using credit cards COMPLETLY! (this was huge for the both of us) We cut them up together!
2. Started tracking every penny we use in a budget...wow did we get a shocker!
3. Started using Coupons and only shopping when things are on sale, cut grocery bill in HALF!
4. In two weeks we a moving into a cheaper housing situation, save $400 a month!
5. Read Dave Ramsey's Total money makeover and we are curently in baby step one..emergency fund saving!!
we still have a longs ways to go, but it feels so good to have gotten these steps out of the way! we are on our way to being debt free!!!
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