Time Flies

Cody and I have been going to Dave Ramsey classes for a few weeks now, and I have finally set up a budget! At first, I wasn't that excited about it because I didn't think I needed a budget.  But I've learned from watching some of these videos that rich people live on budgets, and you don't get to be wealthy by not managing your money.  

It's also opened up Cody's eyes a little bit to see all the money that we are spending all put together in a spreadsheet.  He really didn't realize that we were spending so much money every month.

I'm pretty excited to start being able to know for sure how much extra money I can start putting towards my student loans every month and start knocking them out!  And I'm excited to try out the envelope system.  Each month, we are going to put all the money we plan to spend at the grocery store, going out to eat, and fun money in separate envelopes, and pay cash for it all.  (That way, we won't overspend in those categories and we'll be able to save all the extra to go towards our debt.)

So anyway, I was looking over my budget earlier, and I was being a nerd and making excessive pages on my Excel sheet that I probably don't really need...I made a sheet for the due dates for all my bills so that I can know quickly which weeks I will need to pay them each month whenever I fill out the weekly budget.  

I noticed that there are not that many more months until 2012!!  Where did 2011 go?  I know it's not over yet, but man.  Time flies!  Before you know it, I'll have been out of school for a whole year!

And soon, (now that me and Cody are going to be living on a budget), we will be debt free!  I can NOT wait for that day to come!  Hopefully it won't take too long...