We have 2 main resolutions that we will work towards this year. :) We would first off love to get pregnant, which is in the works and coming up very soon as all of you know. As it gets closer we are getting more and more excited, and since we have been through it once before, we know what to expect.
Our 2nd main resolution is to become 100% debt free. We started paying off debts in Oct 2010 by quickly wiping out two low-balance credit cards, and a student loan. We have two remaining debts to include another credit card, and a car loan. Our goal is to be debt free by the end of 2011. It felt great to pay off the smaller debts, they were small victories that helped us gain momentum and were a huge source of motivation for us. I cannot wait to get these other ones out of the way, we are both hooked on Dave Ramsey after taking his Financial Peace University with our small group. We even bought the DVD series for ourselves to keep us on track. From now on anything we buy will be paid for in cash, starting with our IVF and travels to Texas. His lessons have really transformed how we handle finances. It feels so good to pay cash for things and not worry about those items being charged to a credit card. For anyone who hasn't heard anything about Dave check out his website http://www.daveramsey.com/home/
Some other resolutions would be to get rid of some stuff that is not needed around the house. I have so much clothing I never wear anymore, so im going to go through it all and give it away to someone who needs it. We would also like to take more classes with the church and get involved again with our small group when we get back from Texas. As for Devin he is working hard on studying for promotion to Technical Sergeant (E-6) in the spring. After testing he would like to go back to school and get his bachelors degree.
I hope to make a post in the future telling everyone we have succeeded at our resolutions.
We are two weeks away from our Baseline, I am still on the BCPs. Cannot wait to be done with these things and move forward to growing our family.
YAY!! Good for you guys on paying of debt! Rich and I are also huge Dave Ramsey fans. We haven't gone through his Financial Peace University, but would like to. However, we are also debt free, except for our mortgage. It DOES feel really good. I tried talking Rich into cutting up the credit cards, but he doesn't want to carry a lot of cash. He prefers to use the cc and pay off all balances every month (which is what we've done from day one anyway). We've never had a problem being disciplined enough to not spend more than we should, even with credit cards. And Rich has an intricate Excel spreadsheet he uses to keep up with every single expense, to make sure we don't ever go over budget. It's pretty cute. :) Not 100% Dave Ramsey style, but it gets the job done.
ReplyDeleteProud of you guys!!!