So I was thinking - I'm SO sorry to my friends (yes I call my blog readers my friends...heh). I really haven't been ignoring you all completely. I just read your blogs through a reader on my phone which doesn't allow me a way to comment. Also, I have been neglecting my own blog. I have not been posting. I come up with blog ideas in my head but then I don't find the time to follow through. Work has been crazy and life outside of work has been crazy this past month. I am writing you right now from a hotel room in Las Cruces, New Mexico - about to head up into the mountains for the week to direct the junior high/senior high church camp that I grew up going to. I am excited and nervous at the same time. I know things will run smoothly but I never feel "ok" until I get there.
ANYWAY, on to the exciting news that I have not shared with you all yet. I paid off my car in May! Two years early even! Back in November I decided to do my own version of Dave Ramsey's program. One of the "baby steps" he talks about is snowballing debt. Paying it down as fast as possible. I have a pretty extensive spreadsheet (because I am an accountant and very nerdy) that shows potential time frame of paying off all debt. I should be able to finish by my 28th birthday I believe. Then all that money will go towards building up 6 months worth of wages (not expenses...I wanted wages) - which will be done by my 29th birthday. And then when I turn 30 I want to take off (may have to quit) my current job and go to Peru for a semester. I will have the money I need to take off and do the program and hopefully spend 6 months down there taking spanish classes and volunteering and traveling all over. Living with a Peruvian family and just immersing myself in the culture. That right there is what keeps me on track and keeps me following my budget and cash flow spreadsheet. I don't know if I've ever felt more excitement about something I've accomplished BEFORE it actually happens than I have with this whole paying off debt. I have soooo much debt it's disgusting - but to say I am debt free BEFORE 30! That's going to be cool. Now of course I will still have my house debt - but at that time I can decide if I want to pay that down early or what as well. I could even rent it out when the time comes and just pay it down double time. We will see - main goal is to pay down car (CHECK - booyah) and now federal and private student loans that are EVIL!
Anyway, I don't want to bore you all with this financial talk. Just wanted to update you. This is the first car I can officially call my own and I love it. Yay for my little Beetle. Now he better last me for a long long time!