Kelly

struggle not to wonder when it's ever gonna not feel like that when we'll have enough that i can forget oh yeah this bill is gonna come due today and i can forget and it won't be a problem it won't it won't overdraw it won't be the last of the money you know until the next paycheck so okay that's those are my thoughts good night

Okay, so I did not spend any money today. I brought my lunch, so that was good. I had a unique experience today where I actually got some money back. which is a fun and exciting thing to happen. So the story is that I had started a laser hair removal membership about a year and a half ago because I have PCOS. So I had hair on my neck. and chin and chest that I wanted removed.

Okay, so I did not spend any money today. I brought my lunch, so that was good. I had a unique experience today where I actually got some money back. which is a fun and exciting thing to happen. So the story is that I had started a laser hair removal membership about a year and a half ago because I have PCOS. So I had hair on my neck. and chin and chest that I wanted removed.

Okay, so I did not spend any money today. I brought my lunch, so that was good. I had a unique experience today where I actually got some money back. which is a fun and exciting thing to happen. So the story is that I had started a laser hair removal membership about a year and a half ago because I have PCOS. So I had hair on my neck. and chin and chest that I wanted removed.

So I started a laser hair membership. And when we moved out here, it was just a lot more expensive living out here, and it was something that I could afford when we were in Tennessee, but I could no longer afford but I thought I was locked into this contract. Anyway, I was convinced to call them and just see what they could do. And so any of the like services that I had,

So I started a laser hair membership. And when we moved out here, it was just a lot more expensive living out here, and it was something that I could afford when we were in Tennessee, but I could no longer afford but I thought I was locked into this contract. Anyway, I was convinced to call them and just see what they could do. And so any of the like services that I had,

So I started a laser hair membership. And when we moved out here, it was just a lot more expensive living out here, and it was something that I could afford when we were in Tennessee, but I could no longer afford but I thought I was locked into this contract. Anyway, I was convinced to call them and just see what they could do. And so any of the like services that I had,

paid for already but hadn't redeemed all of that I'm actually going to get that back and so today when I was looking at my bank account I saw these charges and I was like wait what the hell are these until I realized that they were actually green and so they're positive and that's money coming back toward my account which is super exciting so it's going to be

paid for already but hadn't redeemed all of that I'm actually going to get that back and so today when I was looking at my bank account I saw these charges and I was like wait what the hell are these until I realized that they were actually green and so they're positive and that's money coming back toward my account which is super exciting so it's going to be

paid for already but hadn't redeemed all of that I'm actually going to get that back and so today when I was looking at my bank account I saw these charges and I was like wait what the hell are these until I realized that they were actually green and so they're positive and that's money coming back toward my account which is super exciting so it's going to be

actually like a thousand dollars which is huge i'm just gonna put that straight toward my apple credit card um so i'm really excited that's like actually a huge deal it's a huge dent um it it gets us ahead on our debt snowball by like three months if i just put all of that money immediately toward that card which is so freaking cool

actually like a thousand dollars which is huge i'm just gonna put that straight toward my apple credit card um so i'm really excited that's like actually a huge deal it's a huge dent um it it gets us ahead on our debt snowball by like three months if i just put all of that money immediately toward that card which is so freaking cool

actually like a thousand dollars which is huge i'm just gonna put that straight toward my apple credit card um so i'm really excited that's like actually a huge deal it's a huge dent um it it gets us ahead on our debt snowball by like three months if i just put all of that money immediately toward that card which is so freaking cool

Because I can solve the problem in my head. I can solve the problem in theory. And I can even work it out on paper with formulas and make it color coordinated. And it makes it feel so simple and accomplishable. Even though when I look at my spreadsheet, we're not debt-free from just cards. Again, not including my student loans. We're not debt-free until... almost 2027 doing our debt snowball.

Because I can solve the problem in my head. I can solve the problem in theory. And I can even work it out on paper with formulas and make it color coordinated. And it makes it feel so simple and accomplishable. Even though when I look at my spreadsheet, we're not debt-free from just cards. Again, not including my student loans. We're not debt-free until... almost 2027 doing our debt snowball.

Because I can solve the problem in my head. I can solve the problem in theory. And I can even work it out on paper with formulas and make it color coordinated. And it makes it feel so simple and accomplishable. Even though when I look at my spreadsheet, we're not debt-free from just cards. Again, not including my student loans. We're not debt-free until... almost 2027 doing our debt snowball.

And that's if we do it perfectly and nothing happens. So even though that's like a very future distant success of being debt-free, I think there's something satisfying about the fact that I can see it on the paper when it finally hits zero. It just makes a very black and white formulaic easy. It's simple when in real life it's not. Where did you learn to do that? Dave Ramsey, I think.

And that's if we do it perfectly and nothing happens. So even though that's like a very future distant success of being debt-free, I think there's something satisfying about the fact that I can see it on the paper when it finally hits zero. It just makes a very black and white formulaic easy. It's simple when in real life it's not. Where did you learn to do that? Dave Ramsey, I think.

And that's if we do it perfectly and nothing happens. So even though that's like a very future distant success of being debt-free, I think there's something satisfying about the fact that I can see it on the paper when it finally hits zero. It just makes a very black and white formulaic easy. It's simple when in real life it's not. Where did you learn to do that? Dave Ramsey, I think.

I had to learn so much shit for myself because it just wasn't stuff that we talked about. And when I have brought that up, like, why didn't we ever talk about that? They're like, we just didn't know that we needed to, you know? And then I think... God, my parents were my age with two kids, and they were just figuring it out also.