Debt Snowball Progress-February

debt snowball-februaryHere is our monthly progress through our debt snowball; currently our journey to funding our emergency fund. We would love to pay down our debt right now, but funding our emergency fund right now is more important. If you want to see where we started, check out our first month.

Here’s the update for February:

Extra income report from February

Extra money from regular paychecks     $2432
(this included extra pay for an overload
class I taught last semester)

Money from Varage Sale sales               $ 78

Money from ibotta coupon savings         $ 23
(we cashed out what we had earned
over the past couple of months)

Money from Ebates
(they only pay out a few times a year)   $ 89

Total extra income towards savings         $2,622

 

Previous months’ savings                     $8009
February savings                                 $2,622

$10,631

Total still needed to reach goal         $7,369

 

Debt snowball updates:

January 2016

March 2016

April 2016

May 2016

The Story Behind Minutes with Meg

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What do you want to be when you grow up?

What is your passion?

What does your dream life look like?

Why aren’t you doing that?

For the past six years I have worked full-time advising college students. I helped them to find their dream career, but never questioned my own.

I was happy enough, but it felt like I was missing something.

Back in the spring of 2015 I had a conversation with a friend at work, we were discussing what our dream jobs would be and why we weren’t pursuing them.

As a trained career specialist I knew the importance of taking a look back to your childhood dreams, interests and passions. One of my most prevalent childhood career dreams was to be a public speaker. I envisioned myself traveling the country motivating people with my words.

Contrary to what most people who know me think, I’m actually an introvert, so this, paired with a lack of inspirational words, seemed like quite an ill-suited career goal.  The concept made sense, but the avenue wasn’t right. Fundamental to this career dream is the enjoyment I receive from helping people be their best self and accomplish their own goals. (more…)

Quick clean-up

quick clean up

Dinner is done and you’ve been going nonstop since you got home, and now you notice “IT.”

The kitchen is a disaster from cooking, lunches need to be packed, toys are strewn about the house.

Wait, is that a pair of underwear on the floor?

Socks in the couch cushions?

Shoes everywhere?

What happened to this house?

Does this happen in your house, or just mine?

It feels so overwhelming and you’re just tired from a long day. All you really want to do is put on some comfy clothes, sit down and read a book, watch tv or something that requires no movement or brain power.

We’ve all been there. Many of us nightly. I heard this statement a few months ago: you have to brush your teeth every single day, but we don’t complain about that. Then why do we complain about our house needing to be picked up or cleaned.

There are some things that just have to be done and can be done in minutes a day.

That statement has really resonated with me.

I decided that I needed to shift my view of this mess and realize it’s just a brief part of every day and if I do a little everyday it’s not overwhelming anymore. It’s just a matter of a quick clean-up and nothing more.

We started setting the timer for 5-10 minutes every night and we all pick up.

It’s amazing what a kid will do when you make it a game.

Some nights it’s just me and the girls because Brian is working, but the nights that he is home we accomplish even more. Most nights during our quick clean-up we can have the entire living room and hallway picked up, dining room table cleared and dishes done in 10 minutes.

The feeling of relief when it’s done is amazing.

Don’t tackle this alone, your whole family should be involved.

They all helped to make the mess.

6 Tips for Organizing a Closet

Never have a messy closet again with these 6 simple tips to an organized closet.

Even though it’s a mild Midwest winter it still means hats, gloves, scarves, boots, snow pants and coats. There are only four people in my house, but I think we may have enough winter gear to keep the whole neighborhood warm.

Inevitably, this means winter clothing is thrown into the front hall closet – if I’m lucky.

Often times they are discarded at the door or around the house. It only makes matters worse that Amelia enjoys walking around the house wearing hats, gloves and coats hers and everyone elses. It’s a favorite pastime of hers.

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Our front hall closet houses all of this gear along with our coats from other seasons and an assortment of other odds and ends. I was frustrated with the closet and decided it was time for an overhaul.

It wasn’t horrible, but it wasn’t functional either.

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6 Tips for organizing a closet or similar project:

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Got Power? What’s your mantra?

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There is power in words,whether they are negative or positive.

Don’t underestimate the powerful impact a power phrase, or mantra, can have on your life. I firmly believe you have the power within yourself to change your attitude and outlook on life.

I was recently listening to a podcast, The Chalene Show by Chalene Johnson, where she was talking about power phrases. Side note, she is a great motivator and always has great topics between her two podcasts, The Chalene Show and Build Your Tribe.

I saw the episode title and it got my attention. Embarking on this new blogging business adventure I thought that was exactly what I needed, a power phrase. Halfway through the episode I was contemplating “stealing” the power phrase of the women in the story Chalene was sharing. I couldn’t think of a better one and hers was great, but then it hit me.

I already had a power phrase, and didn’t even realize it. (more…)

Our Journey to Financial Freedom

financial freedom-our journey

I like money!

Okay, phew I said it.

Sometimes it feels wrong to admit that, but it’s true, I want financial freedom.

To me financial freedom is never caring when payday is because you have enough money in your accounts to cover your bills, it’s having no debt, it’s saving money to go on family vacations, it’s the ability to give to causes and people that we care about.

I would love to someday be that person who has money and gives generously everywhere. I’d love to give anonymously to families in need locally. I don’t want recognition for my giving, but I want to see that the money I am giving is directly impacting people. These goals are what keep me on track financially.

We’ve had a budget since the day we were married and boy, has that budget changed over the years.

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Debt Snowball Update-January

debt snowball january

A debt snowball is when you list all of your debts smallest to largest (regardless of interest rate) and begin paying as much as you can toward the smallest debt. Once that debt is paid you put the amount you were paying on that first debt, plus any extra money you have toward the second debt. You continue this until you have all of your debts paid off. Like a snowball gets bigger as you add snow, the amount of money you are putting towards debt grows as you pay off each debt.

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