Broke now - Rich Later

My generation has a lack of focus when it comes to being debt free. I know far too many who hold giant credit card balances, car notes, student loans, defaulted bills, and miscellaneous debt that they attempt to ignore. You can do that, but me. No thanks.

Darlene and I have been working very hard since 2015 to pay off old balances, pay for items on our own, and strive to be a debt free household. In the 2015 year we spent $19,978 on becoming debt free. This also included paying for our own wedding (which was beautiful and anyone looking for a venue in AZ should check out Virginia's House) and honeymoon.  It took a lot. A lot of bargaining.  A lot of couponing at Michael's craft store for wedding invitations, favors, and odds and ends. We really made out like bandits.

2016 is no different. $7,404 has been spent towards making a better life for my little family. We are $13,453 away from getting the biggest debt of my lifetime behind me. After that there is student loans of $15,000. Which, if you ask a graduated student, this is very minimal debt. Allow me to put things into perspective.

                   We need to get to December to pay off the big debt for this year. This will save us from a $1,430 payment on a monthly basis. On top of regular pay period surplus, we will be saving over $2,000 a month. That's a ton of money to put into savings. That also means that between a child tax refund and that savings, we could be debt free as early as April 2017. - Challenge Accepted.


This all means living like you're broke. Minimal Surplus spending every pay day and super wise spending. Luckily for us we have found ways to still have fun without breaking the bank. We saw 112, Dru Hill, and Floetry for $20. Not bad seats either. Worst was 20th row. Mercury games for free, baseball games for cheap. I even saw my very first Yankee game. Tickets were $100 a seat in our section and I paid $130 for 4 tickets. Hallelujah. And the Yanks won. Yessssir.

We have 2 deep freezers stock piled. A pantry space stock piled, and a willingness to not owe anyone any money after mid 2017. Get it together Millennials. We need to step up the game.