Do I get to shout it from the roof tops?

Remember back in September I told you we were going to be debt free as soon as possible by following the Dave Ramsey Plan?  Then, I updated you in Mid-October to let you know that we were on baby step 2, paying off our debt?  And in December I told you how we budgeted for an all cash Christmas.  (Don't forget me revealing my ghetto blinds, too).  And, again in May, I updated you letting you know we had paid off our van (actually in March) and we were working on our savings and student loans?

Well, guess what…the time has come!  As of today, Tuesday, July 27th, we paid off Mr. Serious' student loan.

And, now….WE ARE

{ image: DaveRamsey.com}

(Well, except the house, because Dave Ramsey says you don't count that..but of course, we are still paying that off).

Now, we are working on the emergency savings fund.  Then, it's upping our retirement and the kids' college funds.

We are definitely well on our way.

Looking back, it's embarrassing and a little upsetting to think about how much money we "threw" away and wasted before we had kids.  Now, we are living frugally, on a budget and we don't spend nearly what we make.  We aren't reaching into our savings account for day-to-day expenses, and we are saving money.

And, it's really not that hard.  Making the budget and looking at what you are spending is really eye-opening and the perfect place to start.

Are you on the way to becoming debt free?  Do you have any questions for me?  Please ask..you know I will shoot you straight!