2017…

As you all know, my car was totaled in December and we are down to just my husbands car. Well as of 2 days ago, his car breaks (no car wreck or anything, just older and needs some tlc). On the same day, EKU informs me that instead of owing $300, I owe $3000.

It has been a rough start. So I will not be returning to school this semester, going to try for next semester.

Now the Truck Hunt begins! I refuse to own another car. We are checking every car lot within a 100mile radius to try and find a vehicle for me. It must be a 4 door, 4×4 truck. Oh, and I have no cash for a down payment.

We have yet to figure out how much it will cost to get the hubby’s car fixed.

The final step is to start paying EKU 😦

 

Baby Steps.

It really sucks when you start to think you are ahead in life and then get knocked back 1500 steps.

Here is a link to our wedding registry which I reopened so people could possibly help us get a vehicle without having to go through gofundme.

https://www.zola.com/registry/emilyandcolbert

 

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Budgets are the Devil

 

How many of us have created a budget and failed miserably to stick to it? I know I have!

I did away with our budget, it is the devil! It does nothing but make you feel like a failure!

Here is how our finances work:

The husband and I both make around about the same amount give or take a few thousand a year.

Monthly:

Husband: Rent

Myself: Electric (which we cut in half by not using our central heat and using space heaters), water, Internet, and groceries.

It may seem like I am paying more but really the total amount is about equal.

As you can see, we know what we are going to pay but its not on paper. It is not labeled a budget. We decided what to do with the extra money left over. I might deposit mine into my 401k and he might do early christmas shopping or vice versa. We DO NOT have rules on what we are allowed to do with the extra left over after bills.

If we budgeted every dollar we would fail and become discouraged. By not budgeting, as long as the bills are getting paid it is an accomplishment and we are staying on track. There is no failure or discouragement because we have met our goal for the month.

Bye Bye 2016

2016…. it was well eventful in good and bad ways. It started wonderful

I married my best friend (great)

Both got new jobs (great)

Got re-accepted to college (great)

Totaled my car (bad)

Financial struggle (bad)

2017…. you are going to be amazing. I didn’t make a resolution because I never keep them. Frankly I forgot what my 2016 one was.

In 2017…

Our 1 year anniversary

Our first family vacation

Nathan turns 16!

I go back to school!

I vow to get away from financial struggle.