Tuesday, February 24, 2009


Sometimes, its hard. Its most definitely not easy. I see friends buying houses, and I want to buy one, or people buying houses and using credit cards that shouldn't. It makes me want to holler and scream and tell them that they're not doing it right! That they need to work on other things first and slow down a little, that there will be a time for a house and a nicer car and more spending, but right now isn't the time, not when you have $50k + in debt.

Sometimes it makes me jealous, I often wish that we hadn't discovered Dave Ramsey until we had bought a house, and made some other mistakes, but I know that in the long run I'll be happy. Our future house will be a blessing, not burden and we'll have it paid off within 15 years... at the most! And we'll be millionaires by the time we're 40! We won't have to worry about Charlotte's school or our retirement. I know we'll get there, but somedays I just want that house, with a fenced yard and a big garden, oh and an attic for storage. I really hope we can afford one by the time Charlotte is in Kindergarten. I think I'll be more sad if she starts school and we haven't bought one, or aren't in the process of it.

I also don't understand why EVERYONE isn't doing the Baby Steps... it doesn't matter where you are in life, you can still do them! But then, its working for us and I like it, so shouldn't everyone?

Well the baby is waking from her nap, I best go get her.


  1. Your resistance to being a "hyper-consumer" like your friends is showing that you have a superior level of maturity about you. Children do what feels right, adults devise a plan and follow it. You know better at this point. Delaying pleasure is how wealth is built, you can see that. Don't be tempted back into that former lifestyle. Obstacles are those frightful things you see when you take your eyes off your goals. Stay the course and align yourself with your plan and God, and things will work themselves out. You both are already rocking this thing and going great...don't let broke friends derail your train. Ready...set... GO!

  2. You're darn right we're going to be millionaires by 40, lol! I was talking to my aunt today again and she was saying (she was the one telling me about the tax writeoffs, sigh) and she was like, you shouldn't delay having fun now if you don't know if you're going to be alive tomorrow. And I'm like yeah....but....In a way knowing we're going to be safe and secure is fun. Is that weird? And it's not like it's all torture either, I mean, I'm going to have fun coming to visit you, right? So we're not horribly deprived!

    Isn't it weird also how you want to set everyone straight when you see them doing it 'wrong'? I'm the same way, too! That's why I sometimes feel nervous about having my family read my blog (I sent out an email to my extended family yesterday letting them know I had one) and I don't want to be over critical of anyone. I'm blogging about what is working and is right for us, I'm not intentionally trying to shove it down anyone's throat, but sometimes I wonder if I should be! Sigh, I have no idea. I know that you can do the baby steps whenever in your life, but I am so glad that us and you and Phil found out early. We've seen the light!