There is no way we’d have paid off tens of thousands in credit card debt without our beloved goals. That’s why I love to share our goals progress each month! I hope that showing you snippets into our life as we pay off big chunks of debt is inspiring and helpful.
But I didn’t do a March update this year. I started to pull it together…but there was just nothing to tell! We hadn’t finished our credit card debt yet. And since most of our goals for the year are waiting until we can pay cash to meet them, we didn’t make progress in those areas, either.
But that’s ok. The wait was worth it. Because after 27 months of chunking away at tens of thousands of dollars in credit card debt, I can finally make the announcement I’ve been dying to type for years.
If you’ve ever felt like giving up on your dreams, you’ve probably missed a couple of important steps that will get you there. Whether you want to be debt free, take a dream vacation, or start a business, this formula is for you.
Spoon in hand, I stood over the stove, frustrated. The recipe said that the sauce would have thickened by now, so I must have done something wrong. I decided I’d give it another minute and then give up.
Within several seconds, that runny milk suddenly turned into a beautiful creamy sauce. In two turns of the spoon, my recipe had gone from slop to something delicious.
As I did my little happy dance, I couldn’t help but think of other times this kind of thing happens.
The toddler that was several months behind on walking (compared to his big brother) suddenly decided in one day that walking was no longer a challenge.
On a larger level, something like the Berlin Wall. For decades it was impenetrable, until one day (out of nowhere) it was open.
Imagine it’s a crisp morning in early spring. You meet your friends at the park wearing your favorite running outfit. You’ve got your fitness watch ready to go, and you begin stretching.
Everyone is warmed up and ready to begin, so you head to the line they’ve created. Toes go forward, and soon…you’re off!
Your friends are running with purpose. They know which route to take, because they’ve mapped it out ahead of time.
You may have noticed that there was no debt check in back in November, and I’m sorry about that! But this series is not something I want to stop doing, because it keeps us accountable to our debt payoff plan. And I hope it helps you fight your own debt, too.
We started paying off this debt at the beginning of 2016, so we’ve been at it for nearly 2 years now. We’ve made some serious progress, which helps us get through the rough months.
Inside: Setting monthly goals is important when you’re paying down debt. Peek at the steps we’re taking each month to get closer to freedom from debt.
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August was a rough month for bills, but then again so was September. I’m starting to think we’ve entered a new normal. Or, probably, that I need to review our spending and make sure there aren’t leaks. After all, crushing your spending for 20 straight months isn’t easy. It’s only natural that we’d lose some of our speed.
What we really need is a little victory in our debt fight! Today’s the day we check in and see how that’s going this month, along with the other goals we’ve set for our family.
You know how Dave Ramsey tells you that Murphy will move in when you try to pay off debt? Boy, is he right! July was a tough month emotionally when it came to debt. But August was a doozy for bills!
With an eighth grader joining marching band this year, we were introduced to high school sized fees. Remember back when you couldn’t wait for the kids to leave diapers and formula because you would save so much money? Well it’s kinda like that all over again.
So we used one of our nice chunks of debt money to cover those bills instead. But we didn’t go into debt to cover these bills. And it didn’t leave us without food on our table. It simply backed our debt free date a little further down the calendar.