We Need to Be Debt Free!

We really do!  Hi, my name is Jan and when I stumbled across this blog via a link it was available, so here I am!  I used to read JW's blog and it would be great to find out what happened to him and his family and if they ever paid their debt off.

But back then I wasn't serious about getting debt free. I read personal finance blogs, made a few changes but couldn't stick to it. Well the time has come to get GAZELLE INTENSE about paying off our debts! I grew up in a very frugal family and I think when I left home I just wanted to stop feeling so deprived all the time. I wanted to buy new clothes and eat out in nice restaurants, travel... own all those electronic gadgets!

But it's caught up with me now. I lost my job early this year and only just found another one. I felt so stressed and worried about money the whole time!  My husband is one of those reluctant ones so I'm just going to forge ahead do the best I can.

I've been listening to Dave Ramsey for a while now and I'm going to follow his plan. I'm also going to be going back to the tightwad, super frugal ways I was taught growing up. Right now I'm working out just how much we really owe and avoiding the phone calls from creditors.

My plans for this blog are to document our progress to debt freedom and to share my cheapskate ways.