Tuesday, January 8, 2013

The next chapter...


So our celebration of being debt free lasted as long as Nick Saban's celebration of wining the National Championship last night - short and sweet. We're on to the next chapter of our financial journey which is paying down the car loan from Mr. M's parents as fast as possible.
That means we are still using coupons, sticking to a budget and buying needed things on sale. At least I know what I'm doing this time....well, a better idea.

PS. THANK YOU for all of your kind words on my last post. I can only get through this adventure with support from God and people like you. Thanks again my financial family!

Saturday, January 5, 2013

The last snowflake…

2012 ended with a bang as in the last week as in seven days I graduated from college with my Masters and finished off our snowball. I think I’m still in shock. Paying off that last payment and walking across that stage to get my diploma felt unbelievable as it was great to knock off two major goals.
This journey has taught me to be strong in my beliefs. Can you have a debt free life? Yes. Can you achieve your education without any debt? Yes. Will people think that you’re weird? Well, yes.

We traveled to the coast on the day that we paid off our last snowflake to celebrate and while we were there, Mr. M and I talked about what were the highs and lows of the last three years.  The biggest low – when we tried to get a loan to help pay for bills and were denied from every source – bank, credit cards, etc. and the high point was when we realized we could be resourceful and use our own personal strength to say no to friends, new electronics and eating out.

In 2013, we still have another snowball to tackle – the car repayment. I can say that I’m not afraid about the amount and that it is indeed doable.