I have veggie pictures but I am waiting for the photo upload to be fixed for the blog. If not, I’ll go back to pushing from imgur as I used to do. Everything is going great minus the aphid infestation.
With my little windfall I have moved my debt pay off ahead by a year. Doing some research led me to dump my emergency fund into the pay off as well. We still have an emergency fund but it is my husbands. Before I made my decision I checked in with him, to his amusement. The fact that we do not share our cash has always left me feeling strange about making assumptions with his money. Yet, for the first time I do and I do so with comfort.
It was not until today that I realized this debt free level frees us so much. Before, I needed to work at my job to just pay my bills. Now, I’ll be free of all but my part of the mortgage. If we sell the house, my revolving debt consists of my cellphone bill ($30), netflix, and google play music.
What a place to be.
Becoming financially responsible has been a long road. I was never terrible but I was often not s good as I should have been. A thousand dollars seems like so much but spends so fast. Payments seem like they will make a dent but the the credit goes down so slowly.
And cars did not help. The urge to have a dependable car was strong and a car payment has consumed much of my income. It was also today that I said to my husband my next car will be nice but it will be used. We are past the point that I will pay more to minimize the negatives of working on my car. Gone is the stress from my first years of vehicle ownership when a break down was such a devastating moment.
It feels so strange. This year will be my 20th year since I left high school. It hasn’t been all smooth sailing. It has gone very well. Sometimes it feels as if it went better then it should have. Yet, even if a shoe was to drop, I could catch it.
It is all very unexpected.