Money Mondays

This is the first installment of Money Mondays. Kyle and I went through Financial Peace University nearly two years ago. We started out great. We got through baby step #1 ($1000 emergency fund) quite quickly. We were proud! We celebrated! Then we celebrated again! 

We worked so hard those first couple of months at being financially responsible, but when we let ourselves celebrate too much after accomplishing Baby Step #1, we started to remember how great that instant gratification felt. Soon after, we stopped working on our financial peace. We lost site of those financial goals because it felt too good to spend that money on things we wanted instead of saving it or throwing it at our debt! 

Now here we are at almost square one again. Trying to get back on that proverbial financial horse. We'll call that financial horse "Nancy." Nancy tends to be a horse that kicks a lot. She is unpredictable and wild, but when she has been properly broken in can get us to our destination: Financial Freedom! 

I'm digging that little metaphor up there! I'm actually quite proud that I just made that up on a snow day in my living room cuddled up in blankets and PJs! Perhaps those factors and the iced coffee I had this morning are just what I needed to let my creative juices flow! Or perhaps I should stop imagining a horse with dollar sign-shaped spots all over it a la Richie Rich!

We pretty much are passed Baby Step #1 at this point. We have the savings. Now we are ready to tackle our debt, which we have ironically accumulated more of since completely FPU. We will still break Nancy in by using the baby steps Dave Ramsey has provided because I still think his methods are a great way to get started. It's up to us to make sure Nancy doesn't celebrate too much after achieving her little goals!