The Countdown Starts NOW


I met with my financial adviser – yes broke people need a financial adviser. If they didn’t they wouldn’t be broke! –  this weekend and at the time I was feeling pretty low all in all. I left the meeting – 3 hours later – feeling energized. I HAD A PLAN!

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Being in debt is a horrible, worse than ball and chain feeling. I feel like the bad magician who is in a straight jacket with chains and padlocks tied around me submerged in a water tank with the clock ticking. The bad magician freaks out, swallows tons of water and just short of drowning is saved by his trusty team of people who love him but yet needed to let him learn from his experiences. That is what debt feels like. Thankfully my trusty team of people who love me are some dear friends who are more family than anything and have been there for me always. This is who my financial adviser is.

Month over month I had been feeling like no matter what I did, I wasn’t making headway. I have known about the Dave Ramsey Baby Step plan for a few years at this point. I tried it once or twice on my own and did ok, but never actually did what I was supposed to. I knew intellectually what was needed but emotionally I couldn’t commit. k9530611

Have you ever heard of a hope sheet? I had not. A Hope sheet is a date/task oriented sheet where you list what it is you hope to accomplish by what date you hope to accomplish it by. This is my plan and my light at the end of the tunnel. After going through my hope sheet I have a reason, a plan, a how to and what not to do – this was the cataclysmic smack in the face I needed.

By following my plan and my monthly budget I can do this! My budget is broken down into two 14 day time spans. The baby step, of the baby step, of the baby step is how I see it. Baby Step 1 is to have a Baby Emergency Fund (BEF) of $1,000.00 as quickly as possible. Baby Step 2 is to pay off all debt. My debt consists of $51,523.00. How did I get here? Oh yeah, I have a me and a they problem. The “they” would be my children who don’t like to hear “no” and who have fully learned that if they bug, pester and annoy the snot out of me, they will probably get their way. The “me” problem – is partially what I just said and partially because I still fight the “I want what I want when I want it” child inside.

So where do the baby steps of the baby steps come in? How does my 14 day time span fit into all of this? Its much easier to think about controlling the me and they problem in this 14 days than it is to consider fixing it completely. Fixing it completely starts to make me think about that magician. Knowing that I just have to get through the next 14 days with a tad bit more control makes it so much easier! Isn’t this what addicts do? One day at a time…..

Well, here I am, taking control and saying NO MORE! I am going to get gazelle intense and outrun my predator to survive this meal. I will worry about the next feeding time when its feeding time. If I follow my hope sheet and my budget, I have a plan to be funded in my BEF by July 15, 2015. I also have a plan to be debt free – all $51,000 – by March 15, 2018! That is 2 years and 9 months from right now!

I                 CAN                        DO                            THIS!!!!!

Nest Egg You Say?


Mirror Mirror on the wall show me who can be the richest of all! Its not that I want to be rich, I don’t. I just want to live comfortably without having to worry about a check bouncing or whether or not I can go see family for the weekend. In my bucket list, there is still that looming $10,000.00 savings. EEEEK!

Debt is the worst stress causer and best life sucker I know of. And believe me – I have enough of it to know. I’m sure you all can understand that statement. Its awful to pay money every month and have nothing to show for it. You know why you have nothing to show for it? Because you got “it” up front and now you are paying for whatever “it” was. Sometimes even at the rate of 3 times what it would have cost to save the money and purchase it outright.

I have plans, I want to buy a house, pay off my car, take vacations and the list goes on. (My bucket list that is!) I want to be able to afford this without worrying about it and I don’t want to die with $300,000.00 in DEBT! So, how can that all be fixed?

Dave Ramsey has the answer there! I have worked the DR plan before and know that it can work. What is it you say? Its using your money in a very smart way so you can live like you always dreamed. I am very excited to be working on this plan again. I can and will live debt free and I am going to start tracking what I am doing each day to maximize my budget. If you would all like to follow me on yet another side adventure of my main adventure – come along!

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