At David's Bridal...we found the dress!
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PSK Shower (Thanks Stephanie and Christy!!)
Tuesday, January 31, 2012
Wedding Festivities
Throughout the wedding process, things were stressful. No joke..but the best parts were when I was able to sit back with friends and family and enjoy the special time that we were in. The night we were engaged, Kevin had set up a gathering with all of our immediate family and we were able to share our joy with them right then and there. We had the wedding dress shopping trips, bridal showers and the rehearsal dinner. Sadly, I don't have pictures for most of them, but I've included some pictures of the bridal shower that my best girls had for me as well as the wedding shower that my work put on for us (Kevin was especially excited for this one since he actually got to come and open presents!)
At David's Bridal...we found the dress!
.JPG)
PSK Shower (Thanks Stephanie and Christy!!)
At David's Bridal...we found the dress!
PSK Shower (Thanks Stephanie and Christy!!)
Financial Peace - Year ONE Update!!
Good morning! Well...it's been about 5 months since I've written a blog post so if you've stuck around I just want to say a huge THANK YOU! ..and if you're new... welcome to my blog :)
Since my last post, I've finished planning a wedding, married my best friend, had a fabulous honeymoon and have jumped back on full speed with FPU. If you recall, when we got engaged back in March of last year, we decided to stop our debt snowball and save for the wedding/honeymoon in order to not add any additional debt during that process.
HAPPY ANNIVERSARY!!
We have made it past our ONE YEAR anniversary with Financial Peace. We started this journey on January 18, 2011 and I can't stress enough just how much this process has changed our life! Not only financially, but even by strengthening our relationship and now marriage <3
To recap our first year in FPU: We've saved $1,000 for our Emergency fund, paid off a total of $14,745 of our debt, and paid for ALL of our honeymoon and our portion of the wedding in cash. If that doesn't speak volumes for this method working, I don't know what does! We are setting our sights on the future and continuing to work through our goals of being debt free!! FREEDOM!
Here are some things we learned over this last year:
--Not everyone will understand why you are doing what you are doing. They will tease at time and want to argue and tell you why you are crazy at time...this means you're doing something right!
--Not everything is black and white. Take the course and the Total Money Makeover book as a great foundation and guide, but don't feel afraid to use your own judgment and make choices you feel are best for your family. YOU and ONLY you can decide what is best based on the information you have and research you've done.
So with that, here's our summary---Year ONE update and January 2012 Update
7 Baby Steps:
Baby Step #1 - $1,000 to start an Emergency Fund (Feb 2011)
Baby Step #2 - Pay off all debt using the Debt Snowball
Baby Step #3 - 3 to 6 months of expenses in savings
Baby Step #4 - Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step #5 - College funding for children
Baby Step #6 - Pay off home early
Baby Step #7 - Build wealth and give!
Baby Step #2
OUR DEBT
Name of Card (Beginning Balance) (Current Balance)
Victoria's Secret CC: ($103) PAID OFF in February 2011
New York & Co CC: ($205) PAID OFF in March 2011
Capital One CC: ($466) PAID OFF in April 2011
Chase CC: ($1,314) --- ($788)
Wells Fargo CC: ($1,469) --- ($1,298)
Papa: ($2,250) --- ($2,100)
JCPenney CC: ($2,523) --- ($1,813)
Granny: ($3,620) PAID OFF in December 2011
1st Financial CC: ($9,697) --- ($9,305)
Kevin's Truck: ($7,196) --- ($5,154)
Tia's Car: ($14,200) --- ($10,064)
Tia's Student Loan #1: ($1,341) --- ($954)
Kevin's Student Loan #1: ($1,448) --- ($1,448)
Kevin's Student Loan #2: ($12,274) --- ($12,274)
Tia's Student Loan #2: ($17,060) --- ($15,223)
TOTAL DEBT: ($75,166) --- ($60,421) = Total Paid Off: $14,745 (SERIOUSLY Y'ALL!!!)
Have a great week you guys!! We have an aunt and uncle just starting their own Total Money Makeover and we couldn't be more excited for them! I URGE you to sign up, it's super easy to find a class being offered through Dave's site, or to even start without the classes!
Since my last post, I've finished planning a wedding, married my best friend, had a fabulous honeymoon and have jumped back on full speed with FPU. If you recall, when we got engaged back in March of last year, we decided to stop our debt snowball and save for the wedding/honeymoon in order to not add any additional debt during that process.
HAPPY ANNIVERSARY!!
We have made it past our ONE YEAR anniversary with Financial Peace. We started this journey on January 18, 2011 and I can't stress enough just how much this process has changed our life! Not only financially, but even by strengthening our relationship and now marriage <3
To recap our first year in FPU: We've saved $1,000 for our Emergency fund, paid off a total of $14,745 of our debt, and paid for ALL of our honeymoon and our portion of the wedding in cash. If that doesn't speak volumes for this method working, I don't know what does! We are setting our sights on the future and continuing to work through our goals of being debt free!! FREEDOM!
Here are some things we learned over this last year:
--Not everyone will understand why you are doing what you are doing. They will tease at time and want to argue and tell you why you are crazy at time...this means you're doing something right!
--Not everything is black and white. Take the course and the Total Money Makeover book as a great foundation and guide, but don't feel afraid to use your own judgment and make choices you feel are best for your family. YOU and ONLY you can decide what is best based on the information you have and research you've done.
So with that, here's our summary---Year ONE update and January 2012 Update
7 Baby Steps:
Baby Step #2 - Pay off all debt using the Debt Snowball
Baby Step #3 - 3 to 6 months of expenses in savings
Baby Step #4 - Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step #5 - College funding for children
Baby Step #6 - Pay off home early
Baby Step #7 - Build wealth and give!
Baby Step #2
OUR DEBT
Name of Card (Beginning Balance) (Current Balance)
Chase CC: ($1,314) --- ($788)
Wells Fargo CC: ($1,469) --- ($1,298)
Papa: ($2,250) --- ($2,100)
JCPenney CC: ($2,523) --- ($1,813)
1st Financial CC: ($9,697) --- ($9,305)
Kevin's Truck: ($7,196) --- ($5,154)
Tia's Car: ($14,200) --- ($10,064)
Tia's Student Loan #1: ($1,341) --- ($954)
Kevin's Student Loan #1: ($1,448) --- ($1,448)
Kevin's Student Loan #2: ($12,274) --- ($12,274)
Tia's Student Loan #2: ($17,060) --- ($15,223)
TOTAL DEBT: ($75,166) --- ($60,421) = Total Paid Off: $14,745 (SERIOUSLY Y'ALL!!!)
Have a great week you guys!! We have an aunt and uncle just starting their own Total Money Makeover and we couldn't be more excited for them! I URGE you to sign up, it's super easy to find a class being offered through Dave's site, or to even start without the classes!
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