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Tough Journey

November 23rd, 2017 at 01:20 pm

Finally figured out how to check out audiobooks from my local library. I drive a hour each way to and from work so this will be perfect.

I've checked out Dave Ramsey's "Total Money Makeover" and Robert Morris' "Blessed Life." I'm excited about listening. Years ago I checked out Dave's book but just couldn't get into it. So I'm trying it again.

I'm revamping my budget again for the 100th time. I have a few items coming up that I need to cash flow so I'm adding the sinking fund. Dave says it's okay for a few items but don't go overboard while on baby step 2.

I've decided to take the first 10% of my income and tithe, this is not an option. Any money that comes my way, 10% will come off top for tithes. The 3:10 rule has proven to be 100% correct and I'm only about a month in. The next 5% (half of 10%) that comes off top is the sinking fund. Following 2.5% will go towards debt, and all else is budgeted to line items. I simply have to make it work. After reviewing there's no fun money in the pot for the next pay date. I'm okay with that.

I've paid off over $30,000 in debt before so I know I can do it. It took me about 2 years to do it.
I'll continue to budget some fun money, other wards I know if I don't I'll fall off the wagon. And I know this through trial and error. I realize a pay period here or there without fun money isn't going to kill me.

Pay day is next Thursday and my envelopes are pretty stuffed, I'll take some of this a pay down CC2, others I'll keep in my envelopes, paying for those things coming in January. January is going to be a really tough month. I have certifications that are due, license, tag for car etc.

Today of course will be a no spend day. Heading to mom's for dinner and then back home. I may wash my car, that's filthy. Hmm I'll wash it at my mom's and the five dollars 💵 I would have spent will go towards CC2 💳 .

The journey to a financially sound life hasn't been easy, I've made some bad choices, received some tough love and even doubted myself. But I think back to when I originally started this blog, it was tough then too; however, I made it through and for that I am grateful and thankful for this blog, and my extended family who never give up on me. Though my SA blog family at times may sound like a broken record, and you might even say to yourself, I've told her this before but you all keep reminding and pushing me, and I'm thankful for that.

Lastly I want to wish everyone a very Happy Thanksgiving 🦃

6 Responses to “Tough Journey ”

  1. creditcardfree Says:
    1511443935

    Happy Thanksgiving, Amber! You are doing great. And paying off debt is tough, but so very worth it!! You are also helping others by sharing your journey.

  2. AnotherReader Says:
    1511449420

    You have an exceptionally tough journey, as you had poor financial role models. You have had to unlearn the poor money management behavior of your family. You are doing very well, and you can't expect to be perfect, especially at this point. It's going to get easier as you create a pattern of better choices in your life.

    As CCF said, you are helping people in similar situations by documenting your progress. That's a way of giving that money can't match.

  3. Carol Says:
    1511455337

    Happy Thanksgiving!! Keep up the good work!

  4. DW Says:
    1511457445

    Amber , total love ❤️ your way!

  5. Bluebird Says:
    1511474215

    Great job Amber! Don't let anything or anyone derail your progress and goals!

  6. rob62521 Says:
    1511484632

    As wonderful as your tithing goal is, it makes me uncomfortable when people state they are going to tithe because they know God will bless them because of it and give them more. I know God can do this, but if that is the motivation -- give some to get more, it concerns me that it isn't giving for the right reasons, but just to get more. Don't get me wrong, you probably aren't doing it that way, but I've heard this over and over and it makes me shudder.

    I think you are learning as you go and there are times you will make a choice that could have been better, but you don't give up and you continue to learn. That's great Keep it up!

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