Did you make 2018 financial goals? My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. If we complete them early, we’ll move on to 2 additional goals that are on our radar. Our 2 Main Financial Goals for 2018: 1 – Finish the […]
READ MORE >>Our 2017 Debt Freedom Plan Update
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As I reflect back to January 2016, I started that year pretty determined to find debt freedom by paying off the balance of our non-mortgage debts. I even created a hashtag, #crushingdebt2016. So, you know I was serious! And we were on a roll in January 2016. We had quite a bit of momentum coming […]
READ MORE >>Our Big Financial Goal for 2016
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2016 will be THE year. As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. It has been my obsession goal since we found ourselves in a dicey situation back in August 2013. That was the month I didn’t know if we had enough […]
READ MORE >>5 Lessons Learned When Our Finances Went Awry
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August 2013 was a month that I’d like to wipe from my memory. Prior to that, we thought we were golden. We carried no credit card debt and we contributed to our retirement. Our small business was going well and we said so long to renting office space and purchased a commercial property. Yep, life […]
READ MORE >>Our Life Plan
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When you’re in the trenches, it can be very hard to think beyond the present. A few years ago, we were struggling financially and I felt like our situation was hopeless. At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement, our daughters’ college […]
READ MORE >>A Goal Without a Plan is Just a Wish
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My husband and I are self-employed and own a chiropractic office where he is the chiropractor and I am the business manager. To many, working with a spouse would be too difficult, but our individual strengths and weaknesses complement each other and the arrangement has worked well. However a few years ago, we found ourselves with too much […]
READ MORE >>“We’re Going to Hawaii when…”
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Over the weekend, my oldest daughter had a swim meet. These meets are long and my youngest daughter, who does not swim competitively, ususually handles it fairly well. It can get a bit boring for her considering her sister swims less than 5 minutes during the 4 hour meet. That’s not to say that she […]
READ MORE >>WHY We Want to Be Debt Free
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A few weeks ago, my husband and I had an intense discussion about finances. By the time it was over, we were both exhausted and probably a little bit frustrated each other. We’re in a place that will take us several years to come out of. It’s frustrating to work hard and see only slight […]
READ MORE >>Update #1: Our Debt Freedom Plan
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Back in March I wrote about my family’s Debt Freedom Plan. We adapted Dave Ramsey’s 7 baby steps to reflect our lifestyle as self-employed small business owners. I added a few steps (our total is 12) to cash flow some upcoming business expenses and to celebrate the huge milestones along the way. Our plan is going […]
READ MORE >>What Makes Me the Most ANGRY About Our Debt!
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Sometimes it takes pure anger to motivate a person to make a change. I’m a numbers gal and I love to play around with numbers, so this week as I was preparing our April budget I decided to calculate how much interest we are paying each month with our debt payments. I quickly pulled together a […]
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