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Thank you for visiting our site. This site is a personal journey of Charlie & Grace and how we're trying to break the shackles of debt by budgeting, being frugal and using the debt snowball method without compromise. We're both in our early 30's, working professionals, and parents to a 14 month toddler, 5 year old lab mix and another baby on the way!

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Wednesday, February 26, 2014

February is almost over bringing us closer to our goal by one more month.

My apologies for the long title.

I remember exactly how I felt two weeks into January.  Time was going by really really slow.  But it's already the end of February and we're about to make our second debt snowball payment.  We still have a long way to go, but there is a sense of achievement as each and every day passes by.  We are one month closer to reaching our goal.  With this achievement, also comes disappointment.  We have gone over our grocery and miscellaneous budget by quite a bit.  Approximately $400 total I'd say.  I'll have to wait until Friday to see the exact amount.  But there is also a sense of achievement in this disappointment because in the past, I would have given up on the budget if we've gone over by this much.  It's time to be honest with myself and take responsibility of our finances in a real way.

What's the point of all this?

These guys!  They along with my wife are my motivation in trying to become debt-free so that we can enjoy life later on, without having to worry about  money, and being able to leave a legacy for our children and instill in them the values of financial intelligence.


  1. See...I told ya! Time flies! And then it crawls...and then it FLIES! I think when you are at the very beginning of the journey...it flies. And then you sort of get into a pattern....and it crawls. Then you realize you are about to hit a milestone....and it REALLY crawls because you can't wait! And then you are there....YAY!! and then it zooms. Rinse, and repeat.

    Just keep on keeping on.....

  2. LOL, felt like I was on a rollercoaster. Thanks for the encouragement!

  3. He's so adorable!!!! Hang in there!