More than half the year is gone and we think it’s a great time to talk about financial goals.
Many of us made some lofty financial goals back in January and what we want to know is — are you sticking with them?
Don’t answer that.
Instead let’s talk about where we are today and what we plan to do going forward. As you all know, Germaine and I are debt free except for our mortgage and a small-ish medical bill. It’s been a long financial journey and we have accomplished a lot.
Our goal for the next couple of months is to readjust the amounts on our budget sheet to reflect extra payments to the medical bill. Once the medical bill is paid off we will begin attacking our mortgage.
I think it’s going to get crazy around here because taking on this endeavor is going to mean deprivation.
Unless somebody starts making more money, we’ll have to slow down the process of renovating our house (again) which means while paying off the house I’ll be staring at this hideous unfinished den, laundry room and office.
Makes us a little sad just thinking about it ya’ll.
But here’s what we’re gonna focus on — I’m gonna focus on the 20Verses For Christians Concerned About Finances.
And we’re gonna focus on some of our favorite Dave Ramsey quotes.
“If you will live like no one else, later you can live like no one else.”
We’re going to live in our house with our unfinished laundry room, office and den so that by the time I’m 40 we can be free of a mortgage payment. — I’ll be 36 in February, so you do the math.
“Act your wage.”
We are going to deny ourselves SOME luxuries so that we can use a large part of our income to pay off my mortgage. We won’t cut out everything, but we will cut back.
“Pray like it all depends on God, but work like it all depends on you.”
We are going to work our butts off and use our talents as a platform to increase our earnings and miraculously pay off our mortgage earlier than even we planned.
“A budget is telling your money where to go instead of wondering where it went.”
We are going to revamp our budget TODAY to divert a larger amount to the mortgage payment.
“For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”
We are going to rely on God to give us the strength to overcome the temptation of things. I like shopping, nail salons, massage parlors, nice purses and vacations just like everybody else but I am totally convinced that debt is not what God wants for my husband and me. So when I start thinking of everything I could be doing with the money designated to the debt snowball I’m going to need the supernatural inspiration of God to remind me why I’m doing this.
Why are we telling you all of this?
It’s not for you. It’s for us.
It’s to keep us accountable to our decision. It’s so easy to make a decision one day and find yourself in the same spot not having moved and inch years from now.
We want our finances to look drastically different come June of 2017.
Over the next few months I will be updating you on our progress so be sure to subscribe to my RSS updates or FREE email newsletter.
I covet your encouragement and prayers so leave them below in the comments.
Are you working towards some financial goals? How do you stay motivated and on track?