Yesterday was a very productive day! Hooray! I finished prepping the area we want to move our strawberry bed to; now all I need to do is add some potting soil, wet it down, and dig them up to move them! Gabe got the irrigation fixed (a very ongoing project, with stores not having parts, and then getting new pieces home to find them broken anyway!) and the lawnmower tires inflated. We planted two of our new fruit trees, and my garden boxes are on their way to being ready for my peppers and whatever else.
Problem is, I failed to be proactive, so I got a pretty decent sunburn on both my left arm and leg... sooo no real work going on outside today. But it's not like I don't have projects indoors as well, they just aren't quite as satisfying as seeing things come along outdoors. Maybe this evening I will get some done....
But I think our biggest achievement yesterday was mailing off our last credit card payment. We are now "balance-free," one month before little mister arrives. I haven't posted a financial update in a lloonnngg time, but we have slowly and surely been taking care of those pesky balances. Now all we have is the truck loan, the home equity, and the two mortgages. What a relief! Woo Hooo! Now we can watch the savings grow... as soon as we pay off the incoming hospital bills... ;-)
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Good for you guys on being balance free. We don't have credit cards but we have a lot of medical bills that couldn't be put in the bankruptcy. I really wish I could figure out how to make headway on them. I don't know how though. So good for you. LEt me know your secret. LOL That must be a good feeling with the baby coming so soon. Can't wait to meet him. Is his name still Isaac? So exciting.
I haven't actually read Dave Ramsey's book, but have heard him several times (radio) and learned lessons through others who practice his methods. Basically, we had to make the decision to do it, limit our outgoing $ and keep it under control (I used the envelope method- cash only), put small amounts in savings, and then direct everything else to paying off those totals. Our goal was by the end of last year to have it done, but we didn't make it- so the second goal was by the time baby came. Each step is a baby step-- sometimes it feels like that extra money doesn't even make a dent in the total, but it eventually does. Plus prayer- especially from a wives position. Gabe and I are together in our journey to be debt free someday, but he is still a spender and I am still a saver- so that is still conflict! :-) See if you can check out "Total Money Makeover" by Dave Ramsey from the library...
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