Following the wildest week of my life (ok, maybe I exaggerate? Not sure) I am trying to make a decent attempt at resuming my regular blogging schedule. Oh my gosh.
In light of everything that has happened, we are intentionally going broke this year. I don’t know why I like that more than saying we are going on a budget or getting out of debt. Maybe phrasing it that way makes it feel more real. And it puts a time cap on it. Whatever the reason behind it, that’s what I’m sticking with.
We don’t have a ton of debt. We’ve been lucky enough to pay cash for our cars (all of which have been purchased off of family members). We don’t live beyond our means. But now we’re going to be living severely beneath our means. (Once we have them again, anyway.) Date night is going to be a bag of candy – in tonight’s case, some dark chocolate – and a movie on Netflix. No more wine. Using the library instead of buying books. Definitely no more I’m-just-going-to-buy-this-one-thing-Oh-shiz-I-spent-$70-at-Target trips.
I’m estimating it will take a year to pay off everything, including my student loans. NOT BAD. Some people dig themselves into holes that it takes years and years to get out of. It’s possible for us to get this done before we have any kids old enough to know what’s going on. That’s pretty great.
This is all stuff I know I’m supposed to do. But honestly, I have never been good at sticking to a budget. I am amazing at making them, though. Go figure.
This post over at Budgets Are Sexy helped me put some of my spending into perspective. I would NEVER drop $400 on a bottle of makeup. Not even if I had a million dollars just sitting in the bank. But I would spend $130 on contact solution because without it, I’d be blind. This post challenged me to reevaluate my regular purchases to make sure they are really worth it.
(Our new theme song? Don’t listen if you’re easily offended. There are some dirty words.)
So that’s where I am. Actually looking forward to this year and debt snowballs and no more trips to the movies. Because at some point in the next twelve months I’ll actually be able to do what all the Dave Ramsey freaks do and yell DEBT FREE. And that will make it all worth it. But first, I gotta get angry.;)
*Thanks to my husband for the title of today’s blog! Ha.