Even last pay period when we had just a few dollars until payday, I felt blessed. Blessed that we didn’t go in the red, blessed that we were “broke” because we chose to pay extra on debt. I am so incredibly determined to get the rest of it paid off! This pay period we were able to pay another decent chunk. It feels good to get back into paying extra because the past several months have been a little crazy with job changes, moving and honestly, spending more fun money than we should have.
However, we’re back on track. And just to let you know, I’m not shy about talking about money. I wish more people weren’t so secretive about it. I don’t tell just random people about our debt woes or anything, but I like to get it out in the open what we’re accomplishing and that anyone can do it. And this is on a modest middle-class income.
At the end of this month, we will have paid off close to $27,500! That is roughly 44% of the debt we started with. It’s hard to sacrifice the things we want, even small things. Aaron’s not too fond of this Dave Ramsey saying, but I love it: “Live like no one else, so later you can live like no one else.” Basically it means that right now, live like no one else does… saving money, giving up your latte or fast food, doing whatever you can to save money, so that you can live like no one else is when you’re older.. i.e. having a good retirement, putting your kids through college, etc.
Now we’re really into the heart of paying off my school loans. I’m so thankful to have a job where I get to work in my field AND contribute to paying them off.
Here’s a list of things we’ve been doing recently to save money:
-Going to the library or buying books at garage sales instead of buying them new or for my Kindle.
-Using coupons when we want to go out to eat (fast food).
-Using cash for our spending money each week. Right now we’re each spending between $10-15 per week. I know this is silly, but I get excited when I see that $10 bill in my wallet! We use our debit card a lot so I hardly ever have cash.
-Making Christmas gifts and purchasing only a few. This is a win-win because I get to share my love of knitting and sewing AND save money at the same time.
-Buying ice cream or frozen pizza at the store instead of going out.
-Running around our neighborhood instead of Aaron meeting me at work to run. I work about 15 miles from our house so that’s a lot of extra gas if he meets me there!
-Taking coffee and lunches from home to work.
-Being homebodies and in general spending a lot of our free time relaxing together at home.
Deployment is still on the horizon, and I actually look forward to the extra money coming in during those nine months. (Hopefully it’s only nine months.) Military pay is tax-free during deployment, and we’ll get other allotments like separation pay. I would like to get a second job (possibly?) to keep me busy (really busy!) and supplement our income so we can pay and save faster. We would like to take a trip after he gets back and I hope we can save enough by then.
And then, of course, the other thing we can do is pray. I’m excited to where we’re seemingly being led so far, and I want to be ready financially when that time comes.