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Thursday, September 1

Our Financial Peace Journey: August 2016

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If you are new around these parts, the Mister and I took the Dave Ramsey Financial Peace University course through our church last year. We have a goal to pay off half of our consumer debt this year. You can catch up on our journey by checking out our previous recaps:

August Budget

The Mister started his new job this month, and we weren't quite sure when or how much he'd be paid, so we kept the budget pretty pared down. This included squeezing hard on the grocery budget and heading to the new Goodwill store for new shirts since the Mister's job has him wearing business casual rather than carpentry t-shirts.

Anything extra that we were able to squeeze out of the budget has been put toward rebuilding our emergency fund and paying down on our new water heater. Since we're rebuilding the emergency fund, we've pressed pause on the debt snowball, but I expect that we'll be re-starting that about halfway through September.


August Victories & Blessings

We celebrated a family wedding, and I had a birthday in August. We paid cash for any expenses related to these things. It brings such a sense of peace to not have to wonder where we'll come up with the money for these types of life events; they're just built into the budget.

Also, my parents up the move to Washington state, and gifted us a king-sized bed and a car that they didn't want to transport. This means I'm selling my Prius next month. I love my current car but not enough to keep a $300 per month car payment; I'm really looking forward to letting that go.


What are your financial goals for 2016? If you're working your way out of debt, share your victories with us in the comments.

If you want to take control of your finances, I'd suggest reading The Total Money Makeover. Or go online to daveramsey.com to find a Financial Peace University course starting near you.

It might feel too early to be planning for Christmas already, but it isn't if you want to pay cash this year. Check out how to take control of your holiday budget.

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