Tuesday, January 8, 2013

That Debt Thing....

Yesterday was just one of those days. Nothing new or exciting, by oh my goodness, when Eric walked through the door last night I practically ran to the shower and stood in it until the water ran cold. No one napped yesterday. If you have ever spent a day with a bunch of knee-high people who haven't had naps, then you know I can just leave it at that, haha. Thought I was gonna fly right on over the cuckoos nest!

ANYWAY....

I am so ready to tag half of the things we own, throw it all out on the front lawn, and let people carry it away for cash. Is it yard sale season yet? (I wish!) Unfortunately, I need a motivation for what to do with the money to make the hours it would take to sort through our junk worth it. I'd love some new furniture, but I already mentioned it and my darling husband reminded me, "No new furniture until we're out of debt."



Oh yeah. That debt thing. And now it's time for an early confession. Eric and I always seem to start each new year strong - keeping our budget to the letter, being more thrifty and frugal, and DETERMINED to make that year the year we are debt free. Then life happens. Last year life included having another baby (as it has almost every year we've been married - sheesh!) I swear we would have been out of debt ages ago, but babies are expensive, haha. And as the year goes on it's easier to let things slide. Birthdays, holidays, kids that grow and need new clothes. We continue to make steady payments on our student loans, but it's hard to get ahead of it all.

Now Christmas is over and Eric and I keep having these shifty side conversations where we mumble things about "really needing to get back on our budget" and "we should start doing envelopes again." Truth is, it's not something I'm looking forward to. It's easy to let ourselves get spoiled, and once we go there it's much harder to go back than never going there at all. Does that make any sense? :)

But we are so close we can taste it. If we buckled down we probably could be FREE by the end of this year, and we'll definitely be out of debt by the time Eric gets his bonus next February. (Disney here we come!) Now we just have to DO it. :) I've shared a lot about our financial journey and what we do to get on track, so I thought I'd just give you a little update.  We haven't forgotten our financial responsibilities, but please Lord, no children this year. Haha. Looks like I might have to do that yard sale after all, but send all the money to good ole Sallie Mae....

Since we definitely didn't do anything blog-worthy yesterday, I'll just give you another birthday party hint for John's party this weekend. If you missed yesterday's post, I'm doing the decorations for John's 5th birthday, and I want to see if anyone can guess the theme! :) Here's yesterday's hint and also today's.

1. The subject is one of mine and Grace's favorite things.
2. It involves a mysterious disappearance....

Hmmm....haha. 

I need to come up with something awesome to do today. We are officially in the loooong days of Winter stretch. Should we build an indoor paradise? Introduce Reagan to our magic carpet? Hmm, we'll see!


5 comments:

Meagan said...

This might sound weird but I'm jealous of your budget! I mentioned to Ryan the other day that we need to set a monthly budget so we can keep track of things better but then he reminded me that it is nearly impossible for us to do that because our income is not constant thanks to him not working a normal 40 hour a week job.

Adrien said...

Yes, that does make it much harder. Sometimes I think just listing out all of your known expenses for the month so you can SEE where your money is going helps. There is nothing more frustrating than getting to the end of the month and not knowing where the money went! Maybe just track your spending for a while - write EVERYTHING down, and it will help you to see where you can cut back. :)

Heather said...

Budget...impossible to have one paycheck to paycheck, but impossible not to have one. Lose lose!

Cassie said...

good luck to you. it's hard- but do able. damn you DR. damn you! lol. he makes it look so easy.

Anonymous said...

Sounds crazy but having the baby actually helps me save money! I was home for 3 months so- no driving anywhere, no eating out, no shopping and no going to movies etc. Now that i'm back at work I usually go straight home to get the baby! It's amazing how much frivolous money you can spend when you're not paying attention! We also buy almost all of the baby's clothes etc. from Goodwill. That has been huge for us as he is growing like a weed! Do you ever shop there? It may not be a win every time but you can really get some good things for cheap there... ;)

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