Debt Payoff December 2017

How We Paid Off $12,123.95 in December 2017

THIS PAGE MAY CONTAIN AFFILIATE LINKS. PLEASE READ MY DISCLOSURE FOR MORE INFO.   Hello, mid-January! Let’s review what we did, in terms of debt repayment, in December 2017. Who We Are For those of you who are unfamiliar with our journey,…

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why or why not consolidate

Why or Why Not Consolidate

In full transparency, and to document our debt-free journey, I will explain our credit card consolidation loan. Related: Our Debt-Free Journey Coming Out Letter Why We Consolidated Our Credit Card Debt Before we started our Total Money Makeover with Dave Ramsey,…

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Just Say No to Credit Cards

Just Say No to Credit Cards

We have cut and closed a total of 24 credit card accounts!  Let’s cut to the chase – if you can’t afford to pay cash for something, you can’t afford it. A lesson we’ve learned the hard way. Our Credit…

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sinkingfundshowwesaveinbs2

Sinking Funds: How We Save in Baby Step 2

Gasp, you’re saving in Baby Step 2?! Before we explain how and why we are “saving” in Baby Step 2, let’s step back and simply explain our financial situation, describe what ‘Baby Step 2’ is, and define what ‘sinking funds’…

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debtfreejourneycomingout

Debt Free Journey Coming Out Letter

This may be crazy to admit, but we haven’t told many of our friends, colleagues, and acquaintances about our debt free journey. In fact, our extended family members are not aware. There are folks that have found out about us,…

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Disneyland Vacation Cancelled

No Vacations in Baby Step 2

After much thought, we have cancelled all 3 vacations we had planned this year.  No vacations in Baby Step 2!  We are working through Dave Ramsey’s 7 Baby Steps to get out of debt and build wealth, and we are…

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