Hi everyone! I'd like to join in. I'm more of a lurker, but I've become much more budget conscious lately and really like to read through these threads!
Goals for this year are to pay off my credit cards! We just got married this past August and everything went on my credit cards to rack up points/cash back. When I realized how much I was paying on interest, I did a balance transfer to a Discover card but have to pay them off this year so I don't get hit hard with interest.
I also would like to pay off a chunk of my student loans. I got them under 10K, but I want to go at them hard this year.
We also have a smaller loan, about $1000 on our lawn mower which I plan on using our tax return to pay for. We've also cut cable and I will be switching car insurance providers next month for a $30 per month savings. I'd like to trade in my SUV for one with a lesser payment, but that is not top priority at the moment. If DH could get rid of his ridiculous $527 a month truck payment (for a lease!
), I'd be thrilled, but luckily it's up in August.
I have Dave Ramsey's book on hold at the library and I'm eager to read it. I'd also like to get a solid budget spreadsheet going. Thank you everyone for sharing advice, tips, tricks, and their stories...I learn a lot from ya'll!!