Big Steps

7 Feb

If you’ve been to my blog before, you know I’m walking trough the Dave Ramsey plan right now. I started this blog as I started this plan, and I am happy to report that I have made it to Baby Step 1, which is my emergency fund.

I am so excited because I’ve always struggled with saving money. It was so important to me to have a firm goal in mind when I decided to start this plan. I’ve made goals to save before and always faltered for one reason or another. The firm goal was a big help.

As I got closer to the goal, I became more excited. And I wanted to find ways to get there faster. My snowball was building momentum! I started trimming other areas of my spending and changing some of my spending habits so I could put that money towards my emergency fund. It actually started to become fun!

A challenge for me at the beginning of this process was how I handled the money in my envelopes. If there was money left in one of those envelopes, I would spend it on me. Now, I am trying to spend less than that envelope because I want to put that money towards my snowball!

I have to thank my financial accountability partner here. We will call her “Courtney.” She’s challenged me and encouraged me through this whole process. I have immense respect for her and the way she handles her money. She is humble and gracious, and I owe her a debt (pun intended) of gratitude for all her help. Of course, I’m not going to pay her to make up for it! And she wouldn’t want me to anyway! So, I will thank her here instead!

I’m on to the second step and the first debt. By my calculations, I should have that paid off soon. Check back soon for details! I will keep you posted!

What methods do you use to keep yourself motivated to save? Share your thoughts in the comments section!

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