No Jinxing.....

At least I hope this post doesn't jinx anything...

If everything goes as planned this afternoon, I will be credit-card-debt-FREE!!!! I called my local credit union to see about refinancing my car with them...mentioned my credit card debt & possibly trying to consolidate it into a separate loan with them. Luckily the value of my car & what I owe are in great shape :) I have been making extra payments each month to get it paid off faster. Turns out I will be able to get the loan for the value of the car instead of what I owe & use the extra monies to pay off most of my credit cards!! The only one left will be one from Rooms-To-Go that doesn't have any interest charges...so that's ok by me :)

I am meeting to sign on the new loan at 4:00 this afternoon & fingers crossed I will walk away standing a little bit taller having taken that load off my shoulders! I will now only have to worry about a car payment & house payment each month...no separate due dates for 5 different card debts. The complete nerd in me is so excited to be able to plan a monthly budget without those silly credit card payments! YAY :)

I am so excited about this. I am so excited to be able to actually start saving more than I am throwing away on interest. I am excited this is bringing us one tiny step closer to holding a baby in our arms...I know, I know we still aren't THERE yet, but this is a definite step in the right direction! Courtney will be able to take care of her debt faster too, because living with me & working from home will allow her to pay more each month towards her debts! Things are as perfect as they can be right now. Life is great.

Checklist I have to complete before we get super duper serious about flying Stacey here for the first time:

• Credit Card Debt GONE...as of 4:00 today :) :) :)
• Replace Old Windows (3 down, 5 to go...windows aren't cheap)
• New Fence (we are in the process now, working with our awesome neighbors)
• YARD SALE!!!! (Tentative plans for April 21...fingers crossed we get our act together in time)
• Build Up Emergency Savings (they say 6 months worth?? I think we will shoot for 3)
• Relax (Massages for both of us this Saturday)
• Make More Lists

Now, I can't wait to get home & put or heads together and set a for real budget!!

Wish us luck :)