About

One of my most favorite things to do it SHOP.  Ever since I was little I've had a gift....an ability to spend a lot of time in a store and spend more money than I should. Talented, right?

In 2012 my husband and I started doing Dave Ramsey's Financial Peace University on our own with the CD's and books.  We began to save for an emergency fund, and then pay off debt.  We started with $17,000 in debt!! Since then, through our normal income, side jobs, and tax returns, we've been able to pay off $14,500....including paying off our minivan!

Whoo Hoo!

Except....we are currently still about $4,000 dollars in debt. I fell off the wagon a few times and charged some things because I didn't budget for them and we "needed" it.  I am a small spending shopaholic. I spend little bits here and there.  I never go charge hundreds of dollars at once, I spend $20 here, a $5 Starbucks there.  I don't stick to my budget and spend extra and things we can live with out so I am unable to save.  I am just tired of it!!  I am tired of living pay check to pay check, barely getting by because we have credit card bills and because I overspend at the grocery store or ehm..Target...

My husband works so hard and is so frugal.  I owe it to him and my boys (and my Savior) to finally get this in check and start saving to buy our own home!!! We live in California where it isn't cheap to buy a house.  Our goal is to have at least %15-20 down to buy a home.  In California that could be $100,000! So, let's get started.  Time is ticking.