Okay well I have put my foot in my mouth. Sean is a spender and I am a saver (although Sean has gotten MUCH better and is pretty conscious of his spending. But if you let him he would rack up the credit cards in a heart beat!). He is also not a big numbers guy so I am the one that takes care of the finances and makes sure that the bills are paid. Sean looks over them once and while when I force him to see the numbers haha!
Anyways the other night he said to me “I want to look at the budget to see if we can make some changes”. HA! I laughed at that. I am careful with the money and I do a pretty good job at making things balance, but we still have a decent size of debt that we want to pay off. So I said what the heck go for it. I saved a copy for him so that it didn’t interfere with my spreadsheet and he looked at it for about 10 minutes and said “okay there”.
I was excited to see what he had figured out (knowing full well that it wouldn’t work since I had thought of every possible thing). WELL GUESS WHAT?! I WAS WRONG! I looked at what he had come up with and it was actually a really good idea! I’m really excited about this since because of his new plan we are going to be able to pay off our debt by March 1, 2013 which is sooner than it would be with what I was doing. It also helps that recently my hours at work were increased so that brings in an extra days pay/week.
So to my husband, I am sorry I doubted you, I was wrong. You can mark it in the calendar since it doesn’t happen too often and I know you like to gloat when it does J.
So over the next year, it is going to require some discipline and work, but if we stick to it we will be debt free (a feeling that I am longing for!).
Last night we came up with the plan and then made a list of expenses coming up that we will have over the next while so that we can plan ahead for them. This plan still allows me to put money into savings every month and we just moved some numbers around! It’s a win-win for everyone. It’s actually kind of lame how excited I get over this – but having no debt will be an amazing feeling!
We still have some things to figure out, however, we will be able to start this March 1st so that we can do it in one year.
We have had issues with our internet since last Thursday and have been without (other than being able to check it on my phone or going to my parent’s house). So today the technician is coming to install our new whatever it is and then we should have internet back again! It has been a LONG week without it let me tell you that!
Tonight I have a few follow up calls to make and I am also hoping to start making some of my homemade cleaners so we can start using them as we are running out of almost all of them. My mom started using them a few months ago, so I know that they work, but I’ll post more about them later once I’ve had a chance to see it myself.
Tomorrow night I am planning on hitting the gym (we’ll see if that happens) and then I am going to finish up all of my taxes. The numbers are in for the most part now I just need to double check them and add a few little things and they should be good to go. My T4 came in today so my goal is to take them in Monday.
Anyways, kind of a boring post for today – hopefully the next one will be better!
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