A long time ago in a city, not far away Nerd (she) and Super Nerd (he) met at engineering school. Super Nerd studied Electrical Engineering and Nerd studied Industrial Engineering.

They both graduated, found jobs and got married. They lived within their means but they were not consistently paying extra to be rid of the loans they had from their past.

They started their married life with $120,000 in student loans. They also had financed a car for Nerd and bought a house with 5% down. So they added another $250,000 to their heap of debt by the time they were 24.

They worked hard, as young engineers do. They found new jobs, they received good benefits, contributed to 401k’s, and did what they could to pay a little extra to their loans.

One magical day Nerd, while at work, heard a colleague mention being debt free… a cloud appeared above her head… Hmmmm… debt freee… what a wonderful place!

She wondered “how do I get to such a place?” The colleague said “Dave Ramsey! He will show you the way! Follow the yellow brick road to see him!

Along the way, you will be shown baby steps and you must watch out for the evil Murphy… his Law’s will harm you but don’t let that discourage you because you can do it!

Look at me! I’m debt free except for my house and I just bought a car with CASH!” … Nerd said “Cash?!? What a wonderful thing!”

Nerd rushed to tell Super Nerd of the tale she heard. Super Nerd said “Of course! I love the idea! We have been doing that for a long time now!

I’m glad you are ready to make a plan with me and together we can fight the debt monster we created!”  (SuperNerd wanted a cape so this is where Super Nerd’s cape is flapping in the wind)

Nerd furiously worked day and night to develop a plan, in the morning she finished and gave it to Super Nerd. Super Nerd said, “AWESOME let’s get started!”

And that’s how our budget came into the Nerd household.

The budget is now 3 months old. Nerd and Super Nerd are going to use this

web log to show you our journey to becoming debt free!!!

Welcome, aboard we are glad you are here!

We are 26 and 27 years old.

We plan to blog together and to bring you our life as it unfolds.