Now that the house is sold, we've got some decisions to make. The only debt we have left is Kris' student loans. It would be so wonderful to pay that off and save a hefty down payment for a house. We could then buy with a 15 year note and have no other debt. Ever. The downside to that would be the long wait before getting a new house. Our living situation is a little cramped but working out fine right now, and is saving us a lot of money, so we are thinking we will dump as much as we can into the student loans and get moving that direction.
After doing our new cash flow plan, we aren't very happy with how much we can send each month. I want this done as fast as possible, so I am adjusting our spending habits again to allow for more money to pay down that debt. We were already doing pretty good, but had a bad habit of dipping into our bank account here and there instead of using only our cash system. We decided last payday that we are putting a stop to that. We increased our miscellaneous fund to compensate, but it was still a little difficult. We went to the store yesterday and totally blew our misc. and grocery fund. Not too crazy, we stuck to cash, but it was hard to see. We are also getting the boys into scouts and it was weird to stand in the scout office and say we would have to wait until payday to buy the rest of their stuff. The lady was very understanding, but it was humbling to say. I did laugh though when we got out to the car because we actually have that much money, it is just set aside for other things. This will take a little practice but it will be so worth it.
On the plus side, it's easier to not rush into buying a house right now because there aren't any on the market around here that we even like. Maybe that's God's grace in helping this impatient Mama wait to have a house again!
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