Thursday, September 10, 2015

Vacation on a Budget

Budgeting is hard.  Vacationing on a budget can be even harder.  

We took our first long weekend since we have been on the strict budget this past weekend.  We went to Gatlingburg TN with my Mom's side of the family for a Memorial Service for both my Aunt and Uncle.   Since there was 24 of us we rented out a large cabin for everyone.  So having a place to sleep came pretty cheap, which always help!

Because I have the dance team, we are using that pay as our travel pay.  Its not much but we were able to save two months of it so we had $300 to play with.

Its amazing how much money we would go through on a vacation before we budgeted.  The only money we took from our account was for a rental car that we got so we didn't put unnecessary miles on our car and that was only $45!  We asked for small and boy did we get what we asked for :)


On the way home Hubby looked at me and said "I'm proud of us and I don't feel like we missed out on anything we wanted to do!"  What a great feeling!



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Tuesday, August 18, 2015

First Month Totals

I think I understand why people just stay in debt.  This is not easy!  If anyone tells you that it is, they are lying and you should slap them :)

I knew that this would take time and patience.  Time I have no problem with, patience is what is going to kill me!  I think I look at my excel sheet about 1,000 times a day like it is going to change.  Sad news: it doesn't!

The exciting parts are as follows:

1.  You pay a debt off
2.  You get to celebrate that paid off debt

Well August we paid off three debts so is that three celebrations :)

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Monday, August 17, 2015

Life Update

Life has changed SO much since the last time I wrote!  I am married now to the love of my life and the most amazing man I have ever met.

We have decided we are going to become debt free so we sat down and entered all of our information into a free excel sheet that I found online.

We choose to do the avalanche method.  That is where you pay off your highest interest rate cards first.  Here is a snap shot of our plan.


No. Month Snowball Additional Citi #2 Citi #1 Discover  Chase Captial  Marriot  Loan  Car      END BALANCE
  Aug-15                         51937.81
1 Sep-15            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  50761.41
2 Oct-15            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  49567.35
3 Nov-15            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  48355.26
4 Dec-15            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  47124.80
5 Jan-16            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  45875.59
6 Feb-16            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  44607.24
7 Mar-16            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  43319.36
8 Apr-16            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  42011.58
9 May-16            -    500.00 275.00 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  40683.47
10 Jun-16 97.63   597.63 156.37 88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  39355.61
11 Jul-16 254.00   754.00                   -  88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  38007.04
12 Aug-16 254.00   754.00                   -  88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  36637.25
13 Sep-16 254.00   754.00                   -  88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  35245.81
14 Oct-16 254.00   754.00                   -  88.00 25.00 100.00 230.00 191.00 350.00                   -                    -  33832.29
15 Nov-16 332.42   421.58                   -  420.42 25.00 100.00 230.00 191.00 350.00                   -                    -  32396.21
16 Dec-16 754.00                     -                    -  842.00 25.00 100.00 230.00 191.00 350.00                   -                    -  30938.37
17 Jan-17 754.00                     -                    -  842.00 25.00 100.00 230.00 191.00 350.00                   -                    -  29459.91
18 Feb-17 754.00                     -                    -  842.00 25.00 100.00 230.00 191.00 350.00                   -                    -  27960.48
19 Mar-17 754.00                     -                    -  765.83 101.17 100.00 230.00 191.00 350.00                   -                    -  26439.69
20 Apr-17 842.00                     -                    -                    -  758.25 208.75 230.00 191.00 350.00                   -                    -  24897.50
21 May-17 867.00                     -                    -                    -                    -  953.37 243.63 191.00 350.00                   -                    -  23336.81
22 Jun-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  21758.02
23 Jul-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  20162.47
24 Aug-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  18549.95
25 Sep-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  16920.25
26 Oct-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  15273.17
27 Nov-17 967.00                     -                    -                    -                    -                    -  1197.00 191.00 350.00                   -                    -  13608.48
28 Dec-17 967.00                     -                    -                    -                    -                    -  419.89 968.11 350.00                   -                    -  11925.98
29 Jan-18 1197.00                     -                    -                    -                    -                    -                    -  286.28 1451.72                   -                    -  10231.33
30 Feb-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1738.00                   -                    -  8529.99
31 Mar-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1738.00                   -                    -  6822.56
32 Apr-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1738.00                   -                    -  5109.01
33 May-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1738.00                   -                    -  3389.32
34 Jun-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1738.00                   -                    -  1663.47
35 Jul-18 1388.00                     -                    -                    -                    -                    -                    -                    -  1669.43                   -                    -                  - 

















So yes it will take us some time but I will keep everyone updated :)
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Wednesday, June 18, 2014

Prayers Need for the Thornton Family

Thornton Family: One month has gone by: May 12, 2014 Our son, Jacob Anthony was born at 1:23 PM at Kettering Hospital. 6 LBS 8 OZ 20" long. Our whole world changed at Wednesd...

Friday, May 24, 2013

Dear Friday


Dear Life:  You have been hard the last week.  Between rude people and no sleep I really hated you last night. 
Dear Tank:  It was Birthday Sunday!  I love you more then words can express.  
Waiting for his Ice cream Cake <3 td="">
Dear Weekend:  You are not a weekend for me and that makes me sad.  I want to be lazy for once and just sit there at home and watch T.V. #overworked #burntout
Dear Friends: I love you!  That's it
Dear Cable:  I thought about just deleting you since I'm never home however what would I do when my insomnia hits?? So instead I just knocked you down to almost nothing... well OK 130 channels lol.

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Tuesday, May 14, 2013

Day 14 Blog Every Day in May


Day 14, Tuesday: Ten things that make you really happy

10.  Traveling to the Lake, Beach or mountains

9. Cookouts and sitting on the back porch

8.   The dance team and watching the girls grow into young ladies

7.  Cupcakes

6.  This girl
  

5.  These two :) 

4.   This crazy dude 

3.  My sisters 

2.  My friends and being able to me 24/7 and they love me anyway

1.  Nights like this 





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Friday, May 10, 2013

Friday Letters


Friday letters :)

Dear Mom:  Happy Mothers Day!  I love you so much and you are always there for me no matter what.  You are by far the best Mom anyone could ask for!Dear Work #2:  I have almost said F it and left you more then once the past week.  Things are just a little two stressful for a part time fun job.  So please start being my passion again please! Dear Tank: I love getting up early with you and walking.  I'm sorry I was lazy this am.Dear last night: It was so nice to just sit down and enjoy the weather with some of my favorite people last night.  Nothing better then the grill, fresh air, friends and of course a full glass of wine.  
Dear Myfitnesspal:  You let me know when I fail at life at my eating choices and for that I don't like you :)
Dear Moo: I think that maybe Daycare got the best of you yesterday, I was a little concerned you were going to pass out on the way home. 

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