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It's been a wild and crazy year at The Pelsers. If you haven't been following along, we've been able to accomplish the following on our road to debt-freedom in 2012:
Our current financial goal is to save enough money to pay for all of the medical expenses for our new baby coming in April. The downside of a high deductible insurance plan is needing to come up with so much money out of pocket when you need medical care. We need $4,000 before the baby comes. I'm excited to report that we are now half way to our goal!
I don't share our road to debt-freedom and our goals to make you feel bad or to boast about what we've done. This story isn't about what we've done. It's all about what God has done this year. We've just listened and tried to be faithful. We've immediately allocated any extra money towards our financial goals. Anything that came in outside of Josh's regular paychecks – like bonuses and my freelance income have all been put straight towards our debt-freedom goals. And the thanks goes straight to God for providing these extra income streams!
Want to get on the road to debt-freedom in 2013? Here are some tools that we recommend to get you started. Yes, they will cost you some time and money, but you have to make a personal investment in becoming debt-free in order to get on the road and stay on the road.
- Dave Ramsey's Financial Peace (several package options; we did the online version) – This will help you get your priorities in line.
- YNAB Budgeting Software – This will help you get a hold of the day to day and budget well. I wrote more about how we use YNAB in my technology series this past summer.
We're praying for an anticipating for even more exciting things to happen in 2013! What are your financial goals for 2013?
