It's Got to Start Somewhere...

Sometimes, you finally have a moment where enough is enough. I had that this feeling recently. I finally reached my breaking point of living right at the end of our means, not quite as bad as beyond but enough to not have money when we want to do fun things.

Our Financial Situation

We have a family of 3 (husband, wife & son...plus 2 dogs). We own our house (which is to say that we pay the bank every month to allow us to live in our "owned" house), we have several cars (although only one with a loan), a credit card (we don't use, but are trying to pay off), and a line of credit (which we seem to use a lot more than we would like). There is probably more, but ignorance is bliss right, so I think I tend to not think about all the wonderful bills we have.

Our Goals

We aren't the kind of people that think within the next year we are going to pay all our debt off by living (ie spending) the way we are now. And I think our goals are simple. Pay off our debt, live within our means, and save to be able to do things we would like to do. Our goals are always changing, but our first goal is to "get caught up". It always seems that we are paying off our line of credit because we "had" to use it to pay our bills (it's what it's there for right...well I'm sick of it).

Why Now!? And why blog?

Well, just a few weeks ago I finally had it (I'll explain more about this later I'm sure). As for the blog...I want to have a place that I can keep track of our successes (as well as what doesn't work). I also want to be able to complain (just being honest) about how hard it is...this way I can get my frustration out here instead of spending money (yes this does happen...more on this I'm sure too).


I'm not sure if anyone will read this...not really the reason for me writing it...but if anyone does, I hope that I can help someone else too. Here's to spending less & saving more! Operation Paying It Down....begin!