We're pretty good about our finances. We set a goal to be out of debt and we got there including our mortgage. That's a story that I'll share over the next couple of months. It didn't last long. Don't misunderstand, we didn't go an a credit card shopping spree....we moved across country and bought another house. We didn't sell the last one, it's rented. But now we have a mortgage again and our emergency savings are not where they should be.
A mortgage and no other debt you say? What's the problem? I really really really hate owing money. I LOVE the freedom of owing nothing I know that having no mortgage is possible, I've already gotten there once. I want it again.
I love the idea of frugality, I really do. I LOVE living debt free. But honestly, we've gotten sloppy about it. We've let things slide.
In a word....we need a goal.
A compelling, exciting, action galvanizing goal.
So here is phase one of that goal....
Pay off the mortgage
Save 6 months of living expenses
Build up our stock piles of food and household items so that we have as close as we can to a year's supply
Okay maybe this is more than phase one. I tend to bite off more than I can chew and get overwhelmed. I know what I need! I need a plan! Not a goal a plan! No wait, maybe both..........
More on this later........................