3 debts down!

The big moment finally arrived! We paid off our first debt. Actually, our first three debts! We paid off a high-interest Home Depot credit card that burdened us for about three years, as well as a $2,000 credit card, and the remainder of our student loans (about $2,000). We've been on a budget lockdown since … Continue reading 3 debts down!


The big damage of ‘small’ debts

Our tax refund total is on track to wipe out three "small" debts. These debts total about $5,000. The first debt is a Home Depot credit card. That's the one we've been rolling into the Dave Ramsey debt snowball these past few months. The second debt is the remainder of our student loans. These have … Continue reading The big damage of ‘small’ debts

Budget paranoia

We recently switched from paying bills every couple of days, as they came due, to paying bills in two batches. The first batch at the start of the month, and the second batch mid month. Before the new system, I logged into our accounts daily, paying bills, monitoring balances, and projecting checking account totals before … Continue reading Budget paranoia

2 batches of bills

FEBRUARY 2019 With the budget lockdown in place, we have a clearer vision of what the month will look like, as far as spending is concerned. By now, we've fully transitioned to me being the bill payer. I decided to divide the bills into two chunks, rather than paying them one by one, throughout the … Continue reading 2 batches of bills