2009-03-08 part 2

i want to say that today was a momentous day for us. and i should probably thank dave ramsey and fpu for bringing my husband and i closer together. i'm not saying things are all perftect and fully of hearts or anything. but, today, for the first time ever, ryan and i prayed together. we pray at every meal--one of the kids or ryan does. i def pray alot during the day. but he and i have never prayed together. it was nice. i'm hoping that this is something we will start doing on a regular basis. it's something we should do anyways. he and i do separate devotionals. we read out Bibles at separate times in separate rooms. and we pray separately. but i'm hoping that will change some and we'll start praying together.

anyways, it was an awesome way to start our financial session today. we redid our quicky budget and our debt snowball. we have a def plan now! the cool thing is that we have kept up with every bit of our spending thru a budget and a register (thanks to YNAB) and put it in catagories for almost a year now. so we KNOW what our monthly average is on everything. there are def some areas that we can cut back on. for instance, we spend an average of $300 a month in "blow money." seriously? we do not need to be "blowing" that much money every month. no we do not. i do think we need blow money. just not $300!!!! maybe $50? prolly even less.

ok, so it's gonna be HARD. we are seriously struggling but we have a plan and that's a good thing. with hard work we can dig our way out of this mess. it's not as bad as it seemed at 4am this morning. and ryan is def not as stressed as he was-- so that's a good thing.