Monday, January 11, 2010

Blah and Ack.

Remember this post? In our giddy ignorance, we flippantly made a goal of debt-free by 2010. This weekend the Mr. and I had the Mohr State of the Union conversation and had a hearty laugh. After looking at the numbers, we’re a measly 8% less in debt than we were at this point last year. And that’s with lowering our cost of living and getting a steady paying job. What’s wrong w/ this picture? Blah. Perhaps we should have said debt-free by 3010? That seems more realistic.

We’re taking action. Brace yourselves. The word budget is written all over 2010.

Budgets are your friend, dairy isn’t. Prepare to see that new catchphrase tattooed somewhere on my body in the near future.

Unless that’s not in the budget.

Good thing blogging is free.


Sharon said...

Right there with ya!

Kristi said...

LOL, I hear ya girl! It apparently takes T-I-M-E to get out of debt. Oh...and money. It was so easy getting into it, but so hard to getting out of it, UGH!

Mark said...

Do you track your expenses?

If not, track every penny that comes into or out of your house. For at least 3 months, though I would advocate tracking it all the time. Use or Quicken or an app like that. My personal favorite is Microsoft Excel, but that's because I'm rather nerdy.

Doing so will give you a better idea of where your money goes and allow you to make more informed decisions about how to control it.

Of course if you are already tracking your expenses/income, all of this is moot.

marielamar said...

Dave Ramsey really helped us get out of debt. We tell our money where to go every month - instead of wondering where it went at the end of the month. Good luck meeting your goals this year.