Why now?

Why am I choosing now to ''wake up and smell the coffee''?  Great question to ask.  Could it be because I look at our growing children and realize my daughter is not that far from University/College, which means either are our 2 sons?  Could it be that due to Student loans we started our lives together in debt, and just continued down this path and I am tired of it?    Could it be because I want to be a great example to our kiddo's and right now I know we/I are not doing that at the moment?  Could it be I am sick of feeling trapped in an ugly pit, that I (yes I) have created?   Could it be All the above?

If you answered all the above, you are correct.    We are almost finished paying our student loans, but STILL have ''stupid debt'' that we have created over the last 13 years.  Why?  It started with a few little purchases here and there, then it grew.  Then we went through a time where my husband was without a job and I was working in retail, so we used our cards to help us ''survive''.   THEN we got to a place where I again would make stupid little purchases and it just started to add up.   And now I find that I am paying the banks way too much for pure stupidity.  

I am a Christian and in the last few months have felt great conviction that it is time to get my families finances in order and become ''Good Stewards'' with the money that we are given.

What are my Goals?

Save DRASTICALLY on Groceries- less prepackaged, coupons ,rebates, meal planning

Snowball the debts

Earn more income

Live on Cash

I am sure there is more.. But this is where I will begin.   Hope you enjoy this journey as much as I am sure I will.