How We Paid Off $3000 in Debt in 3 Months

It has been three months now since I started tracking our finances and it has definitely been an eye opening experience to see where all of our money is going each month and how much we have been spending. If you have been following along on our journey to become debt free, you may have read my January and February expense posts. Luckily for you, I am not going to do a detailed expense report for March. I know you don’t care what we are spending our money on, so I’ll just get right to it..

Continue reading “How We Paid Off $3000 in Debt in 3 Months”

What I Wish I Would Have Known Before Buying a House

Enjoying the backyard!
Excited to have our own backyard!

I grew up in a household where the only thing said about money was, “we don’t have any money”. We were poor. Maybe we weren’t. I think my parents made decent money, they just didn’t manage it well. We were always moving. It’s been awhile since I have thought about it, but I think I lived in ten different houses with my parents by the time I was 18.

Owning a home was something I rarely thought about. Honestly, I probably would have been headed down the same path as my parents had I not met J.C.. I had rented 4 places by the time J.C. and I got together when I was 22 and already had a decent amount of debt. J.C. had just closed on his house shortly after we had gotten together and that’s where we lived for the next 6 years. We’ve only rented one apartment and that was for 6 months when we moved to Texas. Continue reading “What I Wish I Would Have Known Before Buying a House”

January Expenses

One thing that I haven’t done since I’ve started on my journey to a better financial future is actually sit down and figure out where all my money is going every month. Obviously I know I’m paying bills, buying gas, groceries, and eating out occasionally. But I wanted to see exactly how much was going where. I kind of wish I hadn’t done it because I was a bit disappointed in our January expenses. Especially when compared to our January income! That explains why our credit card debt was going up. Which I know it had been in October through December since I wasn’t working as much. January I started a new job so I still didn’t have my full 36 hours in weekly like I normally would. So it definitely has been a rough few months. I was just blown away by how much we spent on stuff we didn’t need! Continue reading “January Expenses”