I didn't blog at all last week. We had some deadlines at work.
I am very pleased to say though that when we get paid Friday, we will have our 3 months income in savings!!
This means we will be able to start snow-balling the plan to have our wedding, septic, hospital bill, and TV paid off by January 2010. The student loans and SUV are the goal for 2010, hopefully along with having our first baby.

It has taken me some work to convince my husband to do this. He is a saver and is all about money in the bank not about paying on debt. I had to tell him (in great detail) how much MORE we can save by not paying interest and payments on all these things over the next 5 years. June 12th, is the official snow-ball start date. We're very excited to see how quickly we progress for motivation! I may stop by the library and get Dave Ramsey's book....can anyone tell me if I can learn alot from it? Other then the budgeting and dumping all extra money into debt that I already plan on?

We had a very productive weekend. Got the rest of the wood stacked and cleared where the new septic is going to go. We also got the chain link dog fence moved out of the way (not fun when the posts are cemented in). Tonight we have to move some of our driveway edging and it will be ready to go! Can't wait for it to be over. I've already paid $5.96 of spare change onto the loan
I think that minus gas this week, we can make it through with little to no extra spending. There are no trips into town planned as I got the staples yesterday. That helps

Well, I'm very happy to realize that my husband and I will receive three paychecks this month (paid bi-weekly). This gives us an entire extra paycheck to put toward some big expenses coming up. I will be able to get some body work done on my car. I had a minor accident with the garage door back in March when we were unloading a generator. I had let it go due to this seemingly minor accident costing $600.00 to have fixed. (note to self: learn auto painting skills so I can make $60.00+/hr). We will also have no problem paying $1,500.00 for the septic out of pocket.

Looking ahead...I see this wonderful phenomenom of three paydays in one month is going to happen once more in July, and possibly October. Bye-Bye Hospital Debt and T.V. Debt! We will also meet our goal of having 10k in savings. Good Lord willing and the creek doesn't rise of course.

Yesterday we made it through the day without spending one cent. I love these days! They usually involve staying home and getting caught up on house-work and yard-work. I am faxing the estimate for our new septic system to the bank today. I guess the contractors will be here by the end of the month to do it. 6k from the bank and $1500.00 out of pocket for us. Yuk. Unfortunately it's something that has to be done and at least we won't have to worry about replacing it again for years to come. We have vowed this will be the last time we take out a loan as long as we can help it! Not a very good start to getting out of debt.....but we don't have much choice.

So it began....I have decided after having read others blogs on www.savingadvice.com for the past month that I should start my own, and document our getting out of debt journey. It's been a long and bumpy road that We started with our bonues check in March. We paid off $1,600.00 in Credit card debt and a $3,400.00 student loan. Wow did that feel great. To date: we have $950.00 owed on a flat panel T.V., $1,000.00 owed on a hospital bill that are our next goals...eventually moving on to $8,400.00 for our wedding, $6,000.00 for our new septic, and $9,000.00 in student loans. Eventually we will tackle my SUV payment and mortgage...but those will come with time. Wish me luck!