Baby Step 1 Completed! 

It was less than two months ago when I decided to jump in with both feet and do Dave Ramsey’s Total Money Makeover. I was finally at a point where the idea of a life without debt payments was more important to me than being impulsive and racking up more debt.

Step 1 is to create an emergency fund of $1,000. 

I have never been a saver, unless it was for a trip. Until now. 🙂 Through using a zero balance budget and selling some of my things I have reached the $1,000 mark quicker than I expected! 

I took a lot of joy in marking that on my calendar today. Keeping track visually of each day I make good financial choices has been a great catalyst to keep me going! 

Next step is using the debt snowball to wipe out my debts. I’m on track to have my first of two credit cards paid off in December. Yay! 

My next post will be a recap of my first ever vacation I 100% cash flowed. To be honest, the vacation for the most part was a major disappointment for various reasons, but I did learn some valuable lessons. Stay tuned!