Back to Baby Step 2

It has been nearly a year since we dropped from Baby Step 2 to Baby Step 1 on the Dave Ramsey Total Money Makeover plan. It's been a very hard year, as I'm sure you can imagine. We've done a lot of soul searching regarding our finances and the directions we are taking. We have talked about upping our Emergency Fund total so that we could afford a more catastrophic emergency--or another transmission change. We have talked about reviewing our plans for the future and whether or not we were on the right course. Writing blog posts and dreaming big dreams about world travel are all fun and games, but there is no substitute for cold hard cash in the bank and actual movement towards our real-life goals. It has been a long, hard road, but we feel as though we are finally back on track again.

This month we have finally moved back onto Baby Step 2: The Debt Snowball. We are currently less than two years away from paying down Emily's loans from That Horrible Woman. Caleb's...Caleb's student debts need a good infusion of cash to make a real impact, but I'm sure there's some real progress that we can make in that direction. Nice to be back on track.