All My Stuff

Three years ago Mike and I were in a very different picture financially.  We were entrenched in debt (about $45,000 down from $70,000 at that point) and slowly paying it down….very…slowly.  Our income was probably more than double what it will be this year and so was our spending. I’m bringing this up because I realize many of you don’t know this about Mike and I.  You just came on board and we don’t talk about it anymore since it isn’t news.  It was a real pivotal point in our lives.  We took drastic moves in the summer of 2009 to change our path around spending.  It changed us.  It made us happier… and not the kind of happy like we are skipping-down-the-lane-happy but a deep contentment.  It didn’t just happen though.  The transition was bumpy. I was really pissy about it.  Today I thought it would be interesting to revisit that transitional time so I’m reposting something I wrote back in November 2009.  At this point we had cut back on our spending for about 3 months.

After five years of paying on $70,000 of debt we still had $35,000 left. Mike, my husband, had sold me on the idea of paying off the rest as fast as we possible could rather than as slow as the credit card companies would allow us. We began planning how to implement this goal. In the last four years we have not taken on any more debt (good thing) but we have only been making the minimum payments on what we owed (not so good). We were on the right track but we needed to learn to live within our means rather than buying stuff on credit and borrowing from our future selves. Presently we’re pissed at our past selves for putting us in the position we are in now. Covering the minimum payments on our credit cards is a large burden on our monthly budget. » » »

Round Up- Catching Up

After a month of barely staying in touch with the blogging world we (Molly mostly) have spent the last two weeks catching up.  Not to much of our surprise it seems many bloggers were reinvigorated with the start of the new year.

Molly:  Mike and I are very excited for this years Fin Con 2012 conference (a PF bloggers heaven).  It’s going to be held in Denver which is a short day’s drive for us!  We’ll be there and we are so excited to finally ‘see’ all these PF bloggers we follow!

Mike:  Molly has problems not ‘seeing’ who she’s reading.

Molly:  I know anonymity is a preference for many and I can respect that….OK, no scratch that….I can’t!  I need to see faces!!    If I don’t I start making up how you look.  In my head you become a weird anime thrown in with whomever was on the cover of People magazine that week.  Please, I beg you, just email me your photo- I won’t share it with anyone- you know who I speak of.  Mutant Supermodel just released her photo!  Thank you so much Mutant Supermodel!! » » »