Tuesday Tweak: Taking Stock.

Have you been busy to the point that you haven’t had a chance to reflect on your wins? Since Feb 28th 2019, Christina and I have: -stopped borrowing money -built a $1,000 cash emergency fund -paid off and closed down all our credit cards -paid off and closed down all our lines of credit -cashflowed: a move, a storage shed build, HJ’s birthday party, the purchase of a third of a cow, Christmas (our first Christmas with no January financial hangover!) -established tithe -reduced our indebtedness by over 25%! We look at the remainder, look at the sacrifices we’ve made and continue to make and realize that we still have a ways to go. Here’s the great news - this whole Baby Step #2 - “pay off all debt using the debt snowball” - is on auto-pilot. We’re living our lives. We get paid, I saunter to the bank on lunch break and grab cash envelopes for our zero-dollar based budget. I then put a goodly chunk of money on our debt, which continues to move in the right direction because my family doesn’t borrow money anymore. When you get right down to it, because our mentality has shifted, what may be seen as a “big project” is just us leading our new lives. We’re not being put out at all. We’re eating an elephant, one bite at a time. It’s these tiny wheels, little cogs in motion - decisions, choices with finances - that amount to this big picture transformation. Going in to 2020, my challenge is this - try it. I’m better than I deserve, and happy to help.