I rang February in at home with Bean, who was diagnosed with the flu and ordered by the doctor to spend at least three days at home in bed. While he rested, I took advantage of my day off of work to do some work around the apartment and check the progress I’ve made on my goals this year. Let’s just say, I have a lot of work to do — and I’m not just talking about laundry!
I have yet to get started on a majority of my goals, partly because I’ve been laser focused on just one of them: releasing at least $30,000 in student loan and credit card debt. I’ve mentioned before that Avon and I are currently enrolled in Dave Ramsey’s Financial Peace University online. We’ve spent the last seven weeks applying the knowledge and implementing the tools we’ve gained from the course into our daily lives and I’m impressed with how quickly it’s paying off, both literally and figuratively. Since starting Financial Peace University, I’ve:
- implemented a monthly budget, including cash-only spending in the categories where I tended to overspend (though, in my defense, Target made me do it. Every time!)
- released almost $1000 in credit card debt
- created a starter emergency fund
- used my emergency fund to cover unexpected car repairs (I’m currently rebuilding my emergency fund. It will be fully funded in far less time than it took for me to save the same amount last time)
- gifted money to a family member in need
Even paying bills has taken on a new meaning. Before Financial Peace University, I dreaded paying bills and having less money to spend as I pleased. Now, I’m actually excited about paying bills. Every bill paid is one step closer to financial freedom.
I’ve got money on my mind these days. That’s why I’m sharing all that I’m learning – and unlearning – about money on the blog this month! I’m looking forward to talking about the money management tools and tips that I’m using to earn more money, control my spending, eliminate debt. I’ll explain Dave Ramsey’s baby steps to financial freedom and share my progress along the way. I’ll share the hard conversations that Avon and I continue to have about money, how we’re learning to manage our shared expenses and working together to achieve our individual and joint personal finance goals. I’ll also share what we’re teaching Bean about money and how we’re securing his financial future.
This month, I’m also planning to take at least one step closer to achieving my health, relationship and career goals. Here’s what else I’m looking forward to in February:
- celebrating my new nieces and nephews first Valentine’s Day with affordable gifts and treats that I know their parents, my friends, will also enjoy
- doing at least one of the 101 Fun Things to Do in Charlotte on a date with Avon
- completing at least two books (I’m currently reading Becoming by Michelle Obama and Influencer: Building Your Personal Brand in the Age of Social Media by Brittany Hennessy)
- taking at least three exercise classes
- creating, sharing and promoting content consistently across all of my social media channels
- giving our apartment the KonMari treatment while we prepare for a spring refresh
Share some of your money goals with me below. What content and resources would help you break through your challenges with money and achieve your goals this year?