We started our journey in August so it’s been 8 months that we’ve been working the plan to get rid of our I.O.U’s to people. These I.O.U’s are from student loans and house loans. So where are we at?
We have paid off 10% of our debts in 8 months! Our debt to income ratio is now under 2.5 AND we’ve figured out how to comfortably live on only 30% of our paycheck… 70% of our pay checks get us closer and closer to saying good bye to the people we still have I.O.U’s to.
If you’re on the fence or think that “living it up today” is more important I would recommend that you try a budget for 90 days… 3 monthly budgets. Tell me after you push through those 90 days that there isn’t something that you’ve been spending too much on. I’m not saying give up the necessities or even all of your extras but give it a try to start with what you make and figure out a plan for spending no more than what you make.
It will change your life.
I feel like I know the value of my choices and I choose to live within my means.
Can you say you’re making choices with thought?
Have a great week!
Your Nerd, Laura