3DubWellness
  • Home
  • About
  • Work With Me
    • Wellness Program
    • Rodan+Fields
    • Essential Oils
  • Blog
  • Contact
  • Home
  • About
  • Work With Me
    • Wellness Program
    • Rodan+Fields
    • Essential Oils
  • Blog
  • Contact

Gazelle-like intensity...

7/20/2020

0 Comments

 
Picture
So a few months ago, as well as in my post last week, I wrote about how Nick and I were working on paying off our debt using the Dave Ramsey baby steps method. Right after the first post, we found out I was pregnant and went into stork mode. Basically, we paid our regular bills but every extra dollar we received, instead of paying extra to our debt, we put into a savings account. We knew we would need it for medical bills, plus for baby girl when she arrived. 

Unfortunately, that didn't happen as we wished and our sweet Kynsleigh is now in heaven. So we are back to working on paying off our debt as quickly as possible in Baby Step 2. And Nick and I have gotten incredibly gazelle-like intense these last couple months. We are tired of paying our hard earned money to debt. We are ready to live the cash only life! 

We traded in both our cars at the beginning of June for a car we both wanted, a Subaru Outback. We smartly purchased the warranty agreement because, as we all know, used cars tend to have issues. Well, I guess all cars do. But wouldn't you know it...three weeks into having our car, it needed the transmission replaced. This could have been devastating news, but instead, with our warranty, it is only $100 to do this! Talk about a lucky break! 

Trading in both our cars means less car insurance a month and a lower car payment, plus we finally paid off our iPhones so our cell phone bill is less, and we're working on selling our timeshare! We're not only working on paying off our debt, we're working on lowering our bills all around. 

Through all of this, somehow, in the last month and a half, Nick and I have managed to pay an extra $5,300 towards our car payment, plus extra to our hospital bill for delivering Kynsleigh.

Y'all...I have no idea how we've come up with this extra money, but literally everything extra gets dumped right on the car loan! We both got refunds from Chesapeake for the personal property tax payments on our cars we traded in, and I got a refund from the warranty on my Rogue. Yep - you guessed it...paid right to the car loan! 

When you start seeing the number decrease, it lights a fire under your butt! I mean, can you imagine what we could have done with $5,300 if we didn't have to pay it to debt?! Soon, that will all be extra money we can invest, go on amazing vacations, treat ourselves! 

I'll tell you...it's a sacrifice. We've had to say no to things and make adjustments, but it's worth it. We know we are living like no one else now so we can live and give like no one else later. It will 100% be worth it and we can see the light at the end of the tunnel. 

I'll be so excited to pay our last payment to the car, pay off the little bit we owe for delivering Kynsleigh and whatever other medical bills we'll receive for it, and start paying ourselves for a change! 

We've made a couple of huge adjustments in how we've managed to make this work for us. We now operate on a cash basis. We pay for groceries in cash, we have "fun" money set aside for us, as well as date night and car money. If and when something comes up, we have money set aside so it isn't an emergency or an "oh crap, we don't have the money" scenario. And believe me, we've lived that way before. It wasn't fun. 

We also no longer use our credit cards. When we started on this journey in February, we put our credit cards away (aka, out of our wallets), I changed all our auto orders so they are now on debit cards, and we haven't used our credit cards one time. If we don't have the money for something we want, the answer is no. Then we figure out how long it will take for us to save for it and we make it happen. 

It's a nice feeling, knowing we are in control of our money. We know how much is going out every month without wondering at the end of the month where all the extra is going. 

If you're interested in learning more about it, please don't hesitate to ask. I'm happy to help you and guide you in the right direction. I know it can seem so overwhelming when you don't know where your money is going or what you owe and to whom. The first step, of course, is to write it all out and know what you owe. You can't tackle your debt if you don't know who you owe or how much! 

Let's chat. See how to get you started! 

Have an amazing week, y'all! 

With love and wellness, 
Whitney
0 Comments



Leave a Reply.

    Archives

    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    November 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014

    Categories

    All
    1 John
    2015
    21DaySugarDetox
    21 Day Sugar Detox
    6 Months
    Accountable
    Accutane
    Acne
    Adventure Race
    Affordable
    Alone
    Antibiotics
    Anxiety
    Ashamed
    Asthma
    Atlanta
    Back Deck
    Back Pain
    Bad Days
    Bane Of My Existence
    Baptism
    Baptized
    Beautiful
    Beautiful Daughter
    Believer
    Benefit
    Bio-individuality
    Birds
    Birth Control
    Blame
    Bloated
    Boulder
    Breakouts
    Break-up
    Brother
    Business
    Busy
    Cacao
    Calmer
    Calories
    Caveman
    Celebrate
    Certification
    CF-L1
    Challenge
    Charleston
    Chef Boyardee
    Chirping
    Chocolate
    Chocolate Chip Cookies
    Christ
    Christian
    Christmas
    Church
    Clear Headed
    Coach
    Coffee
    Colorado
    Comfort Zone
    Complaining
    Cookies
    Cooking
    Courage
    Crazy
    Crossfit
    Crossfit Takeover
    CrossFitter
    CTO
    Dads
    Daily Mantra
    Dairy
    Dance
    Day 1
    Defects
    Delta
    Dentist
    Deployed
    Depressed
    Dermatitis
    Detox
    Digestive Tract
    Dinner
    DoTerra
    Easter
    Eating
    Effective
    Enemy
    Energy
    Epsom Salt
    Errands
    Essential Oils
    Exercise
    Exhaustion
    Facebook
    Fairfax
    Faith
    Fake
    Family
    Fear
    Flabby
    Flaws
    Flossing
    Fly Burger
    Foam Roll
    Focus
    Food Journal
    Forever
    Franklin
    Fraud
    Fraudster
    Friends
    Friendships
    Gluten Free
    God
    God Parents
    Grace
    Grandparents
    Grass
    Green Juice
    Grounding Blend
    Guilty
    Gym
    Habit
    Happiness
    Happy
    Happy New Year
    Health
    Health Coach
    Healthy
    Hobby
    Hobson
    Home Essentials Kit
    Hormonal Imbalances
    Hormones
    Hot Bath
    Hump Day
    Hunches
    Hungry For Hope
    Husky
    IIN
    Imperfect
    Insomnia
    Instincts
    Institute For Integrative Nutrition
    Institute Of Integrative Nutrition
    Intuition
    Joints
    Klutz
    Larabars
    Lavender
    Lessons
    Love
    Massage
    Medication
    Meditate
    Meditation
    Mercy
    Metabolic Blend
    Mindset
    Mistakes
    Moderation
    Mom
    Money
    Mood Swings
    Mothers
    Mother's Day
    Moving
    Muscles
    Music
    Nashville
    Nephew
    Never-ending
    New Year's Eve
    Nutritional
    Oregano
    Over-extend
    Overindulging
    Overwhelmed
    Paleo
    Parents
    Patience
    Peace
    Peanut Butter
    Pedicure
    Peppermint
    Perfect
    Perfection
    Personal Trainer
    Pizza
    PMS
    Positive
    Prayer
    Program
    Progress
    Pugs
    Quinoa
    Ramen Noodles
    Read
    Reading
    Rejuvenate
    Relationship
    Relationships
    Relax
    Relaxed
    Religion
    Reset
    Resolution
    Responsibility
    Rest
    Sacrifices
    Safe
    Salvation
    Sangria
    Saving
    SC
    School
    Self-care
    Self Love
    Silence
    Sinner
    Sins
    Sister-in-law
    Sleep
    Step-parents
    Stressed
    Stretch
    Suffolk
    Sugar
    Sun
    Sweet Treats
    Tea
    Teach
    Tennessee
    Thanksgiving
    Thoughts
    Times Square
    Toned
    Tough Mudder
    Toxic
    Trader Joe's
    Traveling
    Trust
    Unhappy
    Vegan
    Vegetarian
    Victim
    Virginia Beach
    Week
    Weekend
    Wellness
    Wellness Advocate
    Whole30
    Whole Food
    Wild Orange
    Workouts
    X-Corps

    RSS Feed

Picture
Picture
Picture
Picture
Picture
© 2015 by 3DubWellness. All rights reserved.

Please Note: I do not provide the services of a licensed dietician or nutritionist, information received should not be seen as medical or nursing advice, and is not meant to take the place of seeing licensed health professionals.
Photo used under Creative Commons from Premnath Thirumalaisamy