Catching Up

Summer was busy with lots of changes. Some good, some not-so-good but what can ya do, life is all about change.

Funnest parts of Summer were dogsitting Blanche & Honey Badger & Spikester, housesitting, Diane & Kelly invade Colorado,  my trip to CA to hang out with my parents for a week and dinners & fun-time with Tim & Brian. And Aigneis and Mildred and Tucker and Mr. Zigglesworth.

After answering way more Craigslist ads than I thought possible...and talking to way more "interesting" potential landlords than I thought possible, I moved late August. Back in Superior, a neighborhood that I cherish that's super close to work which my commuting budget loves. Superior is very much a bedroom community... a very spendy bedroom community...but the views and the parks and the proximity to most (definitely not all) of my my favorite people and places makes me really happy. And content. For now.

Had a scare several weeks ago when my Dad was rushed to the ER. We almost lost him but luck was on our side. Not going to say a whole lot about his situation out of respect for privacy, but he's doing much better now. Much better.

Still on the path to getting debt-free...closer than I was last time I blogged. The move put that on hold for a bit, but now I'm back to making progress. Yay for progress!

My friend Ryan is my inspiration. So is Mortgage Free By 30  As well as No More Harvard Debt

Mr. Money Mustache is a local blogger that has a love for bikes and common sense ways to grow your 'stache.

My daily inspiration is Dave Ramsey.  His podcasts are free and they're a lifesaver. Every time I walk into Target I'm listening to a Ramsey podcast on my phone. Have any debt-reduction/frugality blogs you'd like to share? Leave the links in the comments.

I've gotten really good at saying no to anything that costs $. Ask my friends that issue invite after invite. If it involves money and even if it doesn't cost money but requires gas to get there, 9 out of 10 times my answer is no. Short term situation for long term rewards. Haven't been to a concert in ages. I love concerts...used to go all the time when I first moved to CO. They're not in the cards anymore. 

Back in the day when I was married and we were getting debt-free from $75K in consumer debt, my go-to answer was "is it a want or a need". These days my response is "INITB"...It's not in the budget. So when you start seeing INITB on my Facebook posts, you'll know what that's all about!

Finally, let's chat about blogging. I've been doing this for awhile...since March 2004. Doesn't seem like 8 years have passed, and I'm glad I've kept my blog active even tho it's been dormant a time or two.

It's been great to go back and read the archives and see where I used to be to where I am now and I'm sure the same will hold true years from now.

So that's my news...what's up with you?





Found some incredibly cool debt-free blogs that have become my new addiction so of course I'm going to share them with you.

A Colorado local, Mr. Money Mustache is a hoot! Common-sense, humor and authenticity all rolled into one...with a mustache. Plus? He and his wife are retired! And they're still young enough to enjoy retirement.

Joe Mihalec of No More Harvard Debt paid down $101K of debt in seven months. SEVEN MONTHS! Beyond amazing and truly inspiring. I read Joe's blog from end to beginning last weekend.

One of my favorite blogs is my buddy Ryan's Becoming Debt Free - his most current post "Going Out" really resonates with me. 

And my story?

I'm on a cash-envelope budget (thanks Dave Ramsey ) and am always looking for ways to save more / make more money.  Cashed out my Apple stock to pay off my credit card (then I performed a plasticectomy on my credit card!!) and the only debt that remains is my car loan, which I want to pay off in the next 16-18 months, if not sooner. My biggest win of last week was paying an extra $250 on my car loan...seriously, it gave me goosebumps!

What debt-free/finance blogs do you follow? Do you have a success story to share? What is your biggest 'a-ha' moment when it comes to personal finance?