Live Like No One Else

Chip and I have made the decision to start the journey of becoming (and living) DEBT FREE!!! I used three exclamation marks because I am so excited to start this process.  Will is be tough? Oh yea.  Will it be stressful?  You know it.  Will it be worth it? ABSOLUTELY!  I am in the process of reading "The Total Money Makeover" by Dave Ramsey... and I am hooked.  I want to live debt free so badly.  I want it so much it makes me emotional to talk about it.  I want to be an example to Preston while he is getting older and learning about money, I want to teach him!  I want to be the parents that even though they didnt make bookoos of money, they were able to save, and I mean really save!  I want to have no car monthy car payments, no credit card payments, and eventually no house payments.  I want to be able to keep what we earn, and not give it away to minimum payments every month where you end up spending three times as much as you owe.  I want it.  And I know we can get it.  That is what is so great about the whole debt free life concept, its so obtainable.  Spend less the you make.  Easy enough right?  Totally logical until you are walking through Home Goods and you see two fabulous lamps for $40 each, and if you get one you HAVE to get the other one, right?  Then when you get home and you set up your lamps in the living room and then you remember the electric bill is due... So what good are those two lamps gonna do you if you dont have electricity because you couldnt pay your bill on time? Now this hasnt happened, but you get my point.  We are going to start off small.  Aim small miss small.  After adding up all of our debt aiming small is the only way to accomplish it.  We are paying off our small credit cards first.  We are also going to pay 1 1/2 payments on Chip's truck every month and 2 payments on my car every month.  I am fully aware that this is a long term process, but I am so happy we are starting now.