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Baby Steps

November 17th, 2017 at 11:15 am

So the holidays are coming and I decided to budget a few dollars each pay period. I spoke to the fiancé and told him I wanted to not spend anything on each other but if we did, keep it under $100. Of course he wants to exchange gifts.

Well I ordered the myPoints Macy's gift card for my neice, $25. I set aside $40 this pay period to order a men's sport coat for the fiancé through Macy's. Well I found a gift card I had, and the jacket that was originally $200 cost me $17.67, sweet. I went through the Ebates app and got $1.61 back. Paid cash for by the way lol.

So all bills are paid. This pay period I spent a total of $936.02 on CC/other debt, I can't wait to get these little bugs out of my hair. A total of $215.32 was paid on CC2, this was all extra. I'm officially starting baby step 2 of the Dave Ramsey plan and I'm excited. It took me two months to fulfill baby step 1 but at least I'm there.

I'd budgeted $35 for contacts but decided to hold off again from purchasing, I'm thinking of throwing the $35 towards the CC debt. Reason why I haven't is, a young woman lost her fiancé, she has two small children and she's struggling. I'm thinking about taking this money and buying Thanksgiving dinner for her. I'd budgeted the $40 for gifts and still have $22.39 left that I could use to help her out as well. Everything is on sale and I'm thinking we should be able to get a decent meal for her.

That's it for me, I'll be updating my totals this weekend and sharing.

Posted in Debt, Goals | 5 Comments »

5 Responses to “Baby Steps”

  1. TurtleLover Says:
    November 17th, 2017 at 01:44 pm 1510926250
    1510926250

    what a sweet thing to do with your "left over" money! I do believe you will have extra blessings . Also 2 months to complete baby step 1 is pretty good! Mine took a lot longer than that! You are doing great! I appreciate your updates :-)

  2. creditcardfree Says:
    November 17th, 2017 at 04:47 pm 1510937240
    1510937240

    You are doing great Amber! I can tell you have a very giving heart. Please know that I'm not telling you not to give to the woman and her children, but just be aware of how much you are giving away at the expense of your goals. Remember that Dave Ramsey supports tithing and does talk about giving in baby step 7. Overall, I do think you should give to this woman since you do feel pulled to do it and likely can get what you need for far less than $35.

    One other thought is to offer to babysit the children if she needs time for herself. That would mean as much to her as money. Our gifts can be time, not just money.

  3. crazyliblady Says:
    November 17th, 2017 at 11:29 pm 1510961389
    1510961389

    Sweet deals on the gifts for your family and fiance. Dave R. would be so proud!

    Bless you for helping out your friend in her time of need. I am sure while she is grieving, thinking about preparing her own Thanksgiving is a little overwhelming, so this will make it easier for her.

  4. Amber Says:
    November 18th, 2017 at 01:49 am 1510969747
    1510969747

    Hi CCFree, it's funny you mentioned being mindful of giving. I actually was not going to do the Thanksgiving dinner giveaway this year, it wasn't in my budget. Normally we do two meals. The fiancé had mentioned he thought we should and last year we spent a total of $50 and was able to buy turkeys and other items for two families. I figured why not since, I'd budgeted for an item I'm not purchasing. Long story short, I'll probably end up spending only $20. I value your opinion, I appreciate the reminders 😀 I'm going to be very mindful on what I actually spend and how much. Thanks again for the reminder, and the nudge in the right direction

  5. creditcardfree Says:
    November 18th, 2017 at 02:20 am 1510971601
    1510971601

    I'm glad you understood what I was trying to say. Again, I really don't want to squash your giving heart.

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