New Year- 2012

Well, this blog is still a work in progress, meaning it's "look", but I figured I could go ahead and write my first post.

My hubby and I are determined to get ourselves debt free. At this point, this only encompasses our credit card debt, which is last count, was over $20000. Stay tuned for an updated status of that. We have set this goal as 2014. Sometime within the year 2014, whether it is January, June, or December, we hope to have achieved this goal.

Our credit card debt, let me tell you, has not accumulated by purchasing extravegant items. We do not have a nice TV, we have not been on an actual vacation since 2004, nor do I even get my hair cut (or my eyebrows done) on a regular basis. No, our debt is from the unexpected car repairs, house issues, medical bills, including our nearly 2 year struggle with infertility.

So...essentially, it is never ending battle with us. We pay so much money toward credit card bills at this point, that we cannot catch up, which means there is only one solution, CUTTING EXPENSES! We've done this already with the cell phone bill, cable bill, etc. This cutting will need to come from our grocery bills and "entertainment". We do tend to eat out, feeling some sort of entitlement to grabbing lunch while we are running errands or picking up a Starbucks coffee because we are driving by one. Well, my friends, that all needs to stop. And it stops now, in 2012.