getting out of debit part 1

getting out of debit part 1

Mike and I have decided to do our form of dave rasmey’s baby steps in getting out of debit. Are you asking what is the baby steps. Well the baby steps are like this. Step one saving $1000 for a emergency fund. Step 2 is snowballing your debit but the house. Step 3 is a fully funded emergency fund of 3 to 6 months of expenses. baby step 4 is investing 15% of your household income into retirement. Step 5 is start saving for college. step 6 is pay off your home early. Step 7 Build wealth and give generously.

We have gotten the $1000 in our savings for Step one. We are working on Step 2 now. I know that in step two (if you google the dave rasmey’s baby steps you will find out all about it in more details) is the snowball of paying of debt. But instead of doing it the way he says to do it we are going to start with paying off credit card debit first. We set down and looked at our bills and put them in order of like credit cards, personal loans, car loans, student loans and etc like that and total each one up and what is eating most of our money is credit cards so we are going to work on getting those paid off first. ( yes we will still be paying on the other bills but we are staring with credit cards and paying off the one with the lowest % rate.) Then we will work on the personal loans, then car loans, and then student loans. Yes that is all we have besides our house payment which that is not until step 6 so we will be waiting on snowballing it lol. I have no idea of when we will have all these credit cards paid off but I hope we will soon. I will say this that if it hadn't been for the credit cards we would have never been able to pay for the adoption, so I am thankful for that but I wish that we had had better luck in the fundraisers we had to try to help pay for the adoption. We hoping that we will be able to have our credit cards paid off within a few years, four years tops. At least that is what we are hoping. If we can get them paid sooner that will be great also but we aiming for four years tops. We maybe in the baby 2 for like 10 years but hopefully no more then that. I actually hope that it will be less then that. we are going to try to get us out of baby step sooner then 10 years but I think that is about how long it is going to take us.

I will try to update you again on how it is going within a couple of months. hopefully in a few months we will start to see a big change on how things are going.

A product review

I am reviewing a product for you all on my own. I am not getting paid to review this or did not even get it for free just to review it. But I just had to review this product as I love it.
I just bought the Salon perfect nail polish and I love it. It is fast drying and the color is very pretty. I got the Bermuda Baby color and I love it. It is not very bright or dark. It is just the right color. But I really love that it is fast drying. It dried so quick that I was able to grab my daughter before she could grab the bottle and spill it. And if you ever had to do that before you know that it messes up the nails you just painted but this nail polish did not do that.
One thing that I dont like about it is the price on it. But I will not let that stop me from buying more when I want some different colors. I recommend that all you that likes to paint your nails to go and buy it. You will love it also.