Disease called Debt
A blog about getting out of debt
Laurie @thefrugalfarmer says
January 8, 2014 at 1:51 pm
Hayley, you guys are doing awesome!!! You’ve dropped a lot of debt this year, and you paid cash for your Christmas stuff – two great accomplishments!! We have several different goals for this year, but man, would I love to get totally rid of our credit card debt.
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January 9, 2014 at 5:05 pm
Thanks Laurie! I hope 2014 is really good for you in terms of debt payoff – I’ll be keeping my fingers crossed you eliminate your credit card debt! 🙂
January 8, 2014 at 2:17 pm
That’s awesome that you guys will be taking over managing your debt and eliminating the fee you’re paying. I’m sure you’ll do great. I would love to be able to put $10,000 toward my student loans this year. They’re definitely my focus for 2014.
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Best of luck with your goal of $10,000 E.M. I’ll be rooting for you! Looking forward to reading about your progress. 🙂
Budget and the Beach says
January 8, 2014 at 2:34 pm
I think December is always a tough month for a lot of people! My financial goals are trying to catch up with some retirement swings, and hopefully just breathe a little easier! Good luck with your goals!
Budget and the Beach recently posted…Adventures Around the World: Life as a Travel Club Organizer
January 9, 2014 at 5:04 pm
Hi Tonya! Happy New Year to you. 🙂 Hope 2014 is a great year for you financially!
Alicia @ Financial Diffraction says
January 8, 2014 at 4:02 pm
December can be pretty hard, what with the year end, holidays, and also just constantly being on the go. I’m excited that you’re back in charge with your finances rather than the consolidation people!
Ultimate goal for 2014? I guess increase my net worth by $35,000 ($25,000 in debt repayment and $10,000 from retirement savings). The $10,000 sounds like a lot, but it’s a mandatory pension with an amazing employer match. Stretch goal is $40,000 – but I don’t want to be getting too crazy 😉
Alicia @ Financial Diffraction recently posted…Credit Card 1, or Credit Card 2?
January 9, 2014 at 5:02 pm
Increasing your net worth by such an amount sounds pretty awesome Alicia – I’ll be keeping my fingers crossed you hit your stretch goal!
January 8, 2014 at 4:14 pm
I think you guys did awesome in 2013! December is always going to be hard but you’ve made huge changes, didn’t overspend and didn’t add to your debt. I think that’s a great accomplishment!
For me, my biggest goal for 2014 to pay off the remaning debt ($2500) and then to stay out of debt for the rest of the year (preferably the rest of my life) other than the mortgage. I would also like to save at least 30% of my income.
Good luck with your goals in 2014! 🙂
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January 9, 2014 at 5:01 pm
Thank you Morgaine! 🙂 That’s a great goal to have for 2014 – especially saving 30% of your income. Can’t wait to read more about your progress.
Done by Forty says
January 8, 2014 at 4:15 pm
I love the snowball method because it frees up more cash every time you pay off a debt. Congrats on getting rid of that one credit card debt, and on getting back in the driver’s seat on your debt payoff. Let us know how your progress goes in 2014!
Done by Forty recently posted…What’s it Like in America?
January 9, 2014 at 5:00 pm
Thanks DB40! The snowball method is definitely working for me, I would certainly recommend it to anyone looking to pay off their debt!
Debt Busting Chick says
January 8, 2014 at 9:27 pm
Well done for clear some credit card debt. I can’t wait to be in a similar position, this pesky credit card is doing my head in. Good luck for your 2014 goals, I’m sure you’ll doing really well.
January 9, 2014 at 4:59 pm
Thanks Debt Busting Chick! I’m looking forward to reading about your progress too – I’m sure it won’t be long before you get rid of that credit card. 🙂
Girl Meets Debt says
January 8, 2014 at 9:57 pm
I think it’s time for you and your hubby to get back into the driving seat of your debt too! Like you, before this Christmas, I had always finished December in the red but this year it feels so nice to finish in the black and stay within my budget! Funny what a difference just one year makes! 🙂
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January 9, 2014 at 4:58 pm
Too right GMD! I’m so glad we both had our wake up calls last year and are now on the path to debt freedom!
Dear Debt says
January 9, 2014 at 5:12 am
December was so slow for me regarding side hustle income. I also spent a lot too and “only” put $900 compared to my usually 1k+. I know you can take control and make your goals happen. I’m right there with you! Happy New Year by the way and hopefully you had a nice holiday.
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January 9, 2014 at 4:56 pm
$900 sounds brilliant to me Melanie, especially in December of all months. Hope January is a good month for you and Happy New Year!
January 9, 2014 at 11:09 am
Hayley the two pronged approach of paying off debt and saving money is something I wholeheartedly agree with. To a great 2014 for you and your family.
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January 9, 2014 at 4:55 pm
Thanks so much Charles. Happy New Year to you and your wife. 🙂 I hope I can work out a balance of saving for retirement and paying off debt. I’ve been researching how much I should be putting aside today and the figures are making me panic slightly! I know it’s really important though.
Shannon @ The Heavy Purse says
January 9, 2014 at 7:49 pm
You’ve come along with Hayley and it’s great that you and your husband are ready to take charge of your debt and handle it yourself. You have an aggressive goal but it’s very clear that you and your husband are willing to do the work to achieve it as well. Here’s to a great 2014 and lots of debt repayments!
Shannon @ The Heavy Purse recently posted…4 Smart Financial Moves to Start the New Year
January 10, 2014 at 7:10 am
Thanks Shannon! I like to aim high these days! 🙂
lyle @ the Joy of Simple says
January 9, 2014 at 9:50 pm
Wow Hayley…way to kick debt’s butt to the curb!!
I realize it’s a long, sometimes frustrating endeavor, but it looks like you and your hubby are hunkered down for the long haul 🙂
I too want to save money this year and will attempt to live with more frugal intentions than I have in the recent past. I’m actually looking towards how much fun I’ll have trying to challenge myself to spend less.
Take care Hayley and congrats again on your debt chiseling prowess…just imagine where you’ll be this time next year 🙂
All the best.
lyle @ the Joy of Simple recently posted…2014 – Time To “Git ‘er Done!”
January 10, 2014 at 7:09 am
Hi Lyle! Happy New Year to you. 🙂 Thanks for your kind words and I look forward to reading about your frugal intentions throughout the year! What I love most about this PF blogging community is the great attitude everyone has to making saving money exciting and not depressing. I also look forward to challenging myself to spend less too!
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