This Christmas season has been much more enjoyable than last year. A year ago we were without work and had no money left in our emergency fund, this year we BOTH have great jobs and we are quickly repaying debt and rebuilding our emergency fund. I know it sounds very basic, but the emergency fund […]
Now that Mrs Bad Spender and I are employed and in the process of debt reduction we have put together a budget to accomplish our goals. Our goals are to be debt free in 12 months, start contributing to our children’s college funds again, save for a vacation and to begin rebuilding our wealth. This […]
It’s pretty obvious that we are going to take many years to get to the point where we are debt free. We understand the road ahead and aren’t overly uptight about it. We see this journey as a series of steps toward a debt-free life. My debt snowball estimates we will be debt free in […]
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