Wise Words

Stay wildly ambitious

Stop thinking that you are special

Ignore everyone else

November Debt Update

*As of today we have $6,883.12 of credit card debt*

We paid $1,590 towards credit card debt this month.  Yippee!!  Hoping to keep the trend going until it's all paid off.  Lucky for us we are both paid biweekly, which mean we have an extra paycheck in January.  This will allow us to pay for our upcoming Whistler trip without slowing down our debt snowball.  It hasn't been easy to keep our debt in check this month as we had a black tie wedding to go to that was not in the same city we live in.  But we still managed to make our debt payment and I'm a happy camper.  Our next challenge will be our cars....more to come on that in the near future.

General Anesthesia

I don't know how to post things properly yet....so just click his link to see what I do everyday at the hospital.

General Anesthesia

The Cable Dilemma

I feel like I have to admit this to the world....we still have cable.  I KNOW we need to get rid of it so we can save approximately $60-70 a month.  But it's more than just the money.  I feel like a slug because we have cable.  I like watching certain shows, and it does help me to relax after a stressful day at work, but when I need to be productive (like right now on a Saturday that I'm actually not working) I just veg out on the couch with my laptop and put the TV on in the background...and then 3 hours later I have accomplished about a 1/4 of what I've wanted to.  I think we will be getting rid of it soon....it's just a slow process in our household.  Any advice from people who took the plunge?  For those of you familiar with Dave Ramsay, not only can I not wait for the day where my husband and I yell "we're debt free"...but I also can't wait for the day we yell...

"WE'RE CABLE FREE!!!"

Real October Update

Ummm.....I'm an idiot

*As of today we have $8,385.60 in Credit Card Debt*

Way better than the original amount I posted....dang...I was real messed up with my math.  But this is the newest update to the end of October debt payoff.  I'm off to barre class now...Cheers!

Quickie

Another MMM Gem. Loved this post.  Reminded me of a few awesome peeps I know...brother-in-law shout out!


The Rules

October Debt Update

*As of today we have $9135.91 of credit card debt*

Couple notes on this.  One, I know it looks almost exactly like the same amount our September debt number was...and to be honest, I think the September number was wrong...because this number is absolutely correct but it is AFTER we paid $995 towards our debt this last month.  So I dunno what happened....let's just pretend September didn't happen I guess. 

But guys...let's focus on the good news!  

1) We paid $995 toward our cc in October (in Sept we only paid $161)

2) I found a new awesome Snowball App!

Let me tell you about our finances and how apps have been changing my life (one of the reasons I needed to splurge on the new iPhone 5s...I'm so bad, I know...baby steps ok?).  

My most favorite app is our YNAB app that synchs with our software on our computers.  It the easiest, most efficient way for both my hubby and I to track our expenses together.  And it's so great to look back and see how much we spend on certain categories.  I'll rep YNAB till the day I die.  YNAB for life.

My second favorite app has nothing to do with finances, but is an Anesthesia board review question app.  So if for some reason, someone reads this and needs a good resource for studying...buy the purple Hall Anesthesia question bank app...also life changing...literally...I'll probably save someone's life someday because of something I learned on it (ok, maybe that was a little dramatic...but it could happen!)

My third favorite app is a brand new app I just discovered that YNAB posted a link to on their Facebook account.  It's called Payoff Debt, and it's a debt snowball app that is $2.99.  The lady who created it has a website about her own journey with paying off over $100,000 in debt.  It's such a great way to track progress and I love that it is on my phone and I can email my husband our progress and stats from it too**.  Check it out, let me know what you guys think : )

Based on this app's info, it states that if we continue to pay $1590 a month towards our cc debt we will be debt free by April 2014.  BUT, this doesn't include the extra paychecks my husband and I get in January or our tax return (Hubby was finishing up MBA this past year so I think we will get some money back), and both of these things will obvi be going towards slaying our cc debt.  My estimate is we finish off in February/March.

**I will still chart our progress on our debt chalkboard...but until we are caught back up to were we left off in June I refuse to go back to it...so I think next month I will be able to color some of our thermometer in.