Our goal in 2022 is to get and stay financially healthy. We focus so much on physical, mental, and emotional health, but we don’t always think about our financial health. And truthfully, health and wellness comes in so many more forms (see the above wheel for reference).
But when it comes down to it, if you aren’t financially fit, it stresses you out on all fronts. It’s a constant worry in the back of your mind that permeates everything you do.
If you’ve followed me for awhile, you know that we went on a debt free journey in 2020. We accomplished that goal with everything but our mortgage. We thought we were good and sort of put everything on pause for awhile as we worked on expanding our family.
However, we had some setbacks with two of our vehicles having transmission issues back to back. We spent far too much money trading in cars, paying them off, then having to pay for new transmissions. Twice on one car.
The straw that broke the camel’s back was when I was 6 months pregnant and our car wouldn’t start when I was out running errands. I was stranded while Nick was at work and I couldn’t fathom having a newborn and something like this happening.
So we did what anyone trying to get out of debt would do. We traded in the lemon for a new to us 2020 decked out truck. Please note I am being insanely sarcastic here.
We had good intentions and a good plan for paying it off. But life happens, things change, and we began to wonder if this nice, new truck was worth it. We now have more debt than when we started our debt free journey. Add on to that our traumatic birth experience with Gabriel and we had all that medical debt, as well. Thankfully, all that is paid off and we fully own our baby boy.
So our goal this year is to get back on track. Budget the heck out of our lives, work more, make the sacrifices we need to in order to get where we want to go. It may not be fun or easy, but we know it needs to happen. That may also include selling our nice, new truck and getting something older, reliable, and much, much cheaper.
With that said, my biggest fear, of course, is getting something older and having it crap out on us again like our previous two lemons. I know not all cars are like that, but having back to back issues has given me some fear of it all.
As we head into 2022, Nick and I are putting our heads together, figuring out exactly what we need to do, and we're making it happen. The first thing we're doing is taking Dave Ramsey's Financial Peace University with my friend and coach, Amy. It starts January 30th for 8 weeks...it's all virtual so you don't even have to leave your house! I truly think it will be the kick in the butt and right direction for us. If you'd like to join us or would like to learn more, click here to check it out. We'd love to have you on the journey with us.
What will your focus be this year? What can we help you achieve? I'd love to hear about your journey and how you're heading into 2022.
Have a beautiful week and Happy New Year! May this year be the one that turns it all around for you!
With love and wellness,