Vince and I made a
commitment to get completely out of debt so that we could start our farm and
not be burdened by debt.
Dave Ramsey makes
this seem much easier than it really is. It was easy enough to say, “No more
credit cards, just cash.” It was pretty easy to start that emergency fund, and
not use it. It has even been easy enough to budget and pay off more than
minimum payment.
It was not fun to
have to get a new car, when I wanted to put that money to debt, but we have to
be a two car family and with baby Isaac on his way, we were willing to spend the
money to get him a safe car.
My biggest issue is
that every month it is 2 steps forward and 1 step back. Why? Because interest
is evil!
What makes it worse
is that it is interest on student loans. I sit here and want to complain about
it but its student loans, they were needed. Its not like it was a trivial
purchase and now we are regretting the interest. No, it was an investment in our
future that now we are spending our future paying off… there is something very
wrong with this system, but that is a rant for another day.
I started all this to
say that since we are working so hard to pay off the debt, I have been getting
creative with Christmas gifts.
Both Vince and I love
giving gifts, so while we set a strict budget, we still want to give as much as
we can. This meant I started planning Christmas gifts at the end of September.
I will admit it… part
of me wants to scrap the whole debt thing and go crazy for Christmas, but I am
trying to be good… trying to focus on the end goal… someday we will make it.
What I have come up
with is that we will give loved ones a nice store bought gift that stays within
the set budget, and then on top of that I will make homemade gifts also. I
really want to share the homemade gifts, but they shall remain hidden secrets
till after Christmas.
Thankfully our
families understand our goals and seem supportive. Part of me thinks this might
be because our goal of a farm is beneficial to them (farm fresh food and cute farm animals to watch. My mom
has always dreamed of land with cows to watch).
Now I just need to
make sure I finish everything by Christmas… Hopefully I can make it!