Home with Tracy

This month we are starting baby steps in our journey to become debt free. The month did not start out as I wanted. I wanted to have a meal plan for the month prepared before the first of January. I wanted to have our budget outlined for the month of January by the end of December. Neither happened. Instead, we ended up with a bug going through our house that has lasted almost two weeks. I am not letting any of this get me down or stop me. I'm starting to feel better, so I am getting things together and organized. First, we have written down all of our debt. Everything from our mortgage to our smallest credit card. It is a big number. Bigger than I wanted it to be. But I know it will not be that big for long! We have established an amount we want to stick to for groceries and gas. We are going to go month by month. If something isn't working, we'll add or subtract depending on what is needed. We are going to build up our $1000 emergency fund first. I honestly thought