The hardest part has been rethinking how we look and deal with money. We never fight about money, we have always known we don't have any...nothing to fight ABOUT. To rethink and retrain ourselves has been a difficult process and old (35 years) habits are HARD to break. But, each day is a little easier and with both of us working towards this goal together, we have commonality.
We look forward to the day when we can say "We're debt free and we are never going back".
I established a budget and started my envelopes. It was easier than I imagined and I had money left over in the envelopes at the end of the first 2 weeks. I began paying down my debt snowball. I cut up 2 credit cards in the first 30 days. I paid off the others in the next 30 days. I sold things I wasn't using in my home and used the money to pay off more debt. I used my tax refund to pay off debt. I took the huge step of selling my beautiful home and bought a house 1/2 the size for less than the amount of the current mortgage. I sold my home in less than 30 days and the profit from that sale will fund my 6 months of emergency fund.
In less than 60 days, I funded my $1000 emergency fund; paid off all debt other than mortgage debt; funded my 6 months of emergency fund; and have met with a financial advisor (Dave Ramsey trained of course) to analyze my retirement saving allocations for maximum benefit.
I am happier than I have been in years. Both of my adult children are starting the program. I cannot say enough good things about this program.
Thank you so much!