We’re DEBT FREE! Now What?

Standard

This post is part of Our Journey to Become Debt Free series. To see the others, please click here.

Let me just repeat this from my last debt free journey post (which can be seen here)–

“That means that yes, except for our mortgage, we are now DEBT FREE!!!”

Ahh! Like I said in my very first post of Our Journey to Become Debt Free, our goal is for me to be a Stay at Home Mom. So guess what, I’m now home full time with my 2 year old ball of energy. Of course, since my Etsy shop Aqua Anchor Designs has been doing so well, especially during the holiday rush I just made it through, I’m more like a work at home/stay at home Mama. But you get my point.

It’s surreal reaching this goal we’ve worked toward for nearly 2 years though. In 23 months, we paid off $23,491.25  in debt!

So surreal, I was afraid to quit my job. I kept telling Clint, but what if this, or what if that. I’ve told you, I’m a worrier.

But now I need something new to focus my busy mind on. And I’m a goals kinda gal. So we’ve decided to not let our momentum down and keep trucking it and set some new goals for ourselves. I mean, really, the last two years has not felt that depriving to us. We still eat out, more than we should, and we’ve been on two weekend trips since then.

Here is a little brainstorming we did to help us set our new goal(s):

  • We want Baby Girl to be born debt free.
  • We need a Fully Funded Emergency Fund.
  • We want to do some maintenance/upkeep on our home.
  • We may want to pay extra on our mortgage and/or save up for a downpayment on a bigger home.
  • We may want to save up for a vacation soon.

So we know these things now… we just have to make a plan of what order we want to do them in and how we’re going to do them.

For now, Baby Girl being born debt free is first and foremost. We’re praying that my shop income over the next few
months will build up enough savings to make that possible. Once that’s done, we’ll most likely focus on our Emergency Fund.

Do you set financial goals for yourself/your family? What do you do when you reach them: celebrate, make new goals, etc?

Be sure to follow along to my posts by:
Following me on Bloglovin
Liking Not Your Mainstream Mama on Facebook
Signing up for Email udpates

21 Weeks Update

Standard

Good morning/afternoon/night! I’m a little more than halfway through this pregnancy now at 21 weeks!

Baby Girl is still unnamed as of now 😦 But she’s growing big and STRONG! I can feel her roll, punch, kick, curl into a ball. It seems like I feel her every movement. And she’s sooo low. Every movement I feel is way down in my pelvic area. I think the only time I felt those movements with Lucas was when he was closer to his due date and head down, but face up.  I felt his little hands in my pelvic area. It’s been really neat the last couple of days though– at night, she spreads way out across my belly and I can feel feet on one side of my belly above my hip and head/hands on the other side above my other hip.

Here is a belly pic of me at 20 weeks:

20 weeks belly pic

I’ve had some confusing health stuff going on with this pregnancy and haven’t really known what to think of it. Right before we got pregnant, I found out I had some high thyroid levels which pointed to hyperthyroidism. I went to the doctor because I was feeling “funny” and knew that we could end up pregnant at any time so I wanted to make sure I was healthy. In the end, my doctor told me let’s just retest in 6 weeks because an ultrasound on my thyroid looked fine. Well before those 6 weeks, I was in fact pregnant. Fast forward through a bunch of bloodwork, OB appointments, and High Risk OB appointments and then an Endocrinologist appointment 2 weeks ago and those thyroid levels that were originally abnormal (my TSH) is now in the normal range, but I have really high thyroid antibodies. The Endo hasn’t technically diagnosed me with anything but I am on medicine now to lessen our risk of complications and we’re pretty confident, through lots of prayer, that everything will work out just fine in the end. And since I’m not technically “high risk” I’m not driving the 2 hours once a month to see the High Risk OB anymore for them to perform an ultrasound and more bloodwork when I already have an OB and an Endo already doing that, which has relieved some stress for me. All the different appointments stress me out!

Here’s an ultrasound pic from my last appointment at 18 weeks:

18 week ultrasound pic

So anyways, Baby Girl and I have both been healthy according to every health care worker we’ve seen thus far, so pray that that doesn’t change 😉

This pregnancy is so different than Lucas’ though. Before I got pregnant, I was losing weight as a result of the thyroid stuff and I still lost about 3 lbs in the beginning. I’ve not gained any. I think I had probably already gained about 10 lbs with Lucas this far. Of course, I was also overweight to begin with this time and was not last time, so that very well could play into it.

Baby girl is the size of pomegranate now (she was the length of a banana last week). Oh, and no, we haven’t started doing ANYTHING around the house yet. I’m sure I’ll feel some urgency soon and push us along though, right?

Be sure to catch my future posts by:

Following me on Bloglovin

Liking Not Your Mainstream Mama on Facebook

Signing up for Email Updates

Months 19-23 of Our Debt Free Journey: July – Nov 2014

Standard

This post is part of Our Journey to Become Debt Free series. To see the others, please click here.

Going from a full time income to a part time income really had an effect on our debt snowball. Of course, it had a major effect on my time to devote to spending with my 1 year old, Lucas and to housework. Last week, I told you that in Months 16-18 of Our Journey to Become Debt Free, we were not able to pay anything extra towards our debt snowball and only made the scheduled loan payment of $234 each month on the Civic. You can read that post here, if you missed it.
Well, as promised, things got exciting!
MONTH 19 – JULY 2014: We paid down $999.26 on the Civic, bringing the total down to $5125.08. This was made up of from some of my Etsy profit for the month, after the $1,000 Baby Emergency Fund we decided to create for Aqua Anchor. I was still too scared to put all of the remaining profit on the Civic though. 
MONTH 20 – AUGUST 2014: Paid down $634 on the Civic, bringing the total down to $4503.65. Same story for August, it was some of my Etsy profit for the month, but I was still too afraid to use all of it.  
MONTH 21 – SEPTEMBER 2014: Paid down $745.77 on the Civic, bringing the balance to $3,768.95. In September, I did use all of my Etsy profit. But only part of it went to the Civic, the rest went towards a weekend spent out of town for Lucas’ birthday at a wildlife exhibit. We decided to do it since we had just found out I was pregnant and Mama was having those “he won’t be an only child much longer” guilt emotions. But we had a BLAST! 
GWC Collage
 At this point, I knew we were headed to having the Civic paid off SOON and I started busting it to make that extra income in my shop, Aqua Anchor Designs to put towards it. I also decided to close out my little 401k that I had left at my previous job. There was only around $1100 in it, so they took the taxes required out and we’ll pay a little more on our tax return next year for it.
MONTH 22 – OCTOBER 2014: Paid down $2155.94 on the Civic, bringing the balance to $1622.90. About $1,200 of that was Etsy profit and the rest was my 401k check. 
MONTH 23 – NOVEMBER 2014: In November, we did it! We paid down the remaining $1623.22 and paid off the Civic! 
totalpaidoff
 That means that yes, except for our mortgage, we are now DEBT FREE!!!
All
It’s an amazing feeling! So now we have a lot more decisions and planning we need to do, and some we’ve already made/done! I’ll make a Follow-up post and update you on all of that next week!
 
Be sure to follow along to my posts by:
Following me on Bloglovin
Liking Not Your Mainstream Mama on Facebook
Signing up for Email udpates

Month 15-18 of Our Journey to Become Debt Free: March-June 2014

Standard

This post is part of Our Journey to Become Debt Free series. To see the others, please click here.

Money, money, money! Let’s talk finances! Our finances have seen a lot of changes this year.

As you know from this post, I quit my full time job in January and started a part time one in February making around $800-$1000 less per month. And then.. you got no more updates about Our Journey to Become Debt Free. I would love to break down each individual month for you, but since that would several weeks, I’m just going to do it in 2 parts. 😉

If you’ll go back and read our Month 14 – February 2014 post, it may refresh your memory a little.

MONTH 15 – MARCH 2014: March is when the “part time” income really started to affect us. We only paid down $491 that month and $234 is our regularly budgeted amount- so really NOT MUCH. That brought the balance down to $6,765.27.

Through June 2014

MONTH 16-18 – APRIL –JUNE 2014: With a little overspending and a little extra money being put aside for the next baby, we were only about to make the budgeted $234 payments on the Civic each month for these 3 months. In June, the balance was $6,109.84. Even so, we had paid off over $17,000 in 18 months at this point.

Monthly through June 2014

BUT in June, my Etsy shop Aqua Anchor Designs started to pick up and finally started showing a profit! At first, I was really scared to touch the money. I thought it was just a fluke and if I drained it, I’d be pulling from our personal budget the next month. Finally, Clint suggested that I should make a Baby Emergency Fund the shop, just in case I had a bad month or something, so we weren’t pulling money from our personal budget. I’d tell you a little more about that next week.

Things are about to get exciting… but I’ll get you updated from July to November in next week’s post. 😉

Be sure to follow along to my posts by:

Following me on Bloglovin

Liking Not Your Mainstream Mama on Facebook

Signing up for Email udpates

18 Weeks Update

Standard

Hi! How was your Thanksgiving? We celebrated a weekend early with my Dad and little sister because my Dad would be gone for work on Thanksgiving. We split the cooking duties and it was SOOO good. I love me some Thanksgiving! I’m so glad I wasn’t to that ‘you can’t eat much because baby is so big and your stomach just doesn’t have enough room in there’ stage yet. On Thursday, we went to Clint’s grandmother’s house and ate with his family there.

Then, we went Saturday and got our Christmas tree. Of course, I didn’t take any pictures though. We never think to take pictures of stuff. Lucas loves the Christmas tree farm though. Well, he pretty much loves any open spaces with lots of grass, trees, leaves, you name it. He’s an outside boy. We’re planning to decorate the tree this week as a family. #startoffamilytraditions

This is me this past Sunday. I’m 18 weeks now. Baby Girl is VERY active. I don’t remember Lucas being this active this early. I can’t wait for Lucas and Clint to be able to feel all of her little movements. I’m sure it won’t be long as strong as she seems to be. Oh, and she’s the size of a sweet potato this week.

18 weeks

I’m really trying to do better with my diet and my water intake. I’m not doing bad, but not doing as great as I should be either. It’s difficult to go from drinking about 15-20 oz of water a day to 60-70. Did you know you’re supposed to drink half your body weight in ounces of water a day? Do you?

Other than that, we haven’t start much baby planning yet. I have another ultrasound this week and an appointment with my high risk doctor and an ultrasound there. I want to “make sure” she’s still a her. The only thing we have done is buy Lucas one of these.

//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=ss_til&ad_type=product_link&tracking_id=notyoumaima09-20&marketplace=amazon&region=US&placement=B003ULP592&asins=B003ULP592&linkId=GJHOAPFRBV6KB2Y2&show_border=true&link_opens_in_new_window=true

We’re hoping to get him in the “big boy” twin sized bed before Baby Girl gets here, so she can just use the crib and we don’t have to buy another one. So far he loves it!

Oh, and since it is Cyber Monday– Aqua Anchor Designs is having a 25% sale that ends TODAY. If you spend $50 or more, you can also use coupon code THANKFUL14 for free shipping. 😉

I’m planning to start posting financial updates this week, so keep an eye out. You can make sure you don’t miss anything by:

Following me on Bloglovin

Liking Not Your Mainstream Mama on Facebook

Signing up for Email udpates