Crazy Together

Life, Home, Money, Fashion and Everything else as a Family of 4

  • Home
  • About Us
  • Fashion
    • Stitch Fix
      • Stitch Fix Women
      • Stitch Fix Maternity
      • Stitch Fix Men
      • Stitch Fix Kids
    • Wantable
    • Trunk Club
    • Trendsend
    • Fashom
  • Family
    • Pregnancy
    • Baby
    • Toddler
  • Money
    • Dave Ramsey
  • House
  • Shop
    • Shop My Insta
    • Amazon Picks

Still On Our Way to Debt Free

January 18, 2015 By Rob Gavin - 6 Comments

Yesterday was an exciting day for Maria and I: we got to draw another line on the “On Our Way to Debt Free” chart! Each line we draw on the chart is a little over $2,000 paid off and we now have two lines on the chart! That means we have over $4,000 in principal paid off! I know that’s tiny compared to the $180,000 I owed in total, but that’s pretty good progress for six months.

On Our Way to Debt Free

I know you can barely see a difference from the earlier photo. Like I said, $4,000 is tiny compared to the $180,000, but we are moving forward! Here’s a zoomed-in photo so you can actually see our current progress.

My Debt Free Progress

Maria and I started this plan in July of 2014 and the debt payments are not the only thing that we have been working on. There have been a lot of changes behind-the-scenes to our finances. I already talked about how we save up for expenses. I now have fourteen different funds; including auto repair, clothing, gifts, home improvement, insurance premiums, license plate renewal, medical, new car, vacation and water bill. These savings are expenses I would have anyway, but now it doesn’t hurt when I get hit with a big bill. I already have the money saved up.

The other major change is one that, hopefully, we will never have to use. Maria and I now have life insurance and disability insurance. I never used to care about those sort of things … until I met someone that I want to spend the rest of my life with. Let me tell you: life insurance and disability insurance take a massive load off your mind when it comes to a relationship. We don’t have to worry about finances if, God forbid, something were to happen to one of us. There are plenty of other problems in life; worrying about how we will afford daily expenses in the face of hardship should not be one of them.

Our Debt Free Chart

If you are wondering where we got that beautiful chart to help motivate ourselves, I’m proud to say that Maria made it. You can download an editable copy here by clicking on the image below.



In case you are new to the blog, you can read all about how Rob got into debt, Maria’s perspective of Rob’s debt, and how Dave Ramsey’s Finance Peace University helped us create a plan to eliminate Rob’s debt.

The steps out of debt seems small now, but it’s more progress than I have ever made and it will only go faster from here on out. Here’s to a wonderful start of our lives together!

 

Debt Free Update

We are so happy to share that we successfully paid off all of the debt in August 2015 and we appeared on the Dave Ramsey Show on February 15, 2016.

Going debt free

You can read more about our debt-free story by clicking on any of the images below.

On Our Way to Debt Free, Again

7 Things to do with Your Tax Refund

Fitting a Baby into the Family Budget

I Was Broke, Too – A Look at my Early Finances

How We Screamed Our Way through the Dave Ramsey Show

Our Budget After Going Debt Free

We are Finally Debt Free!

Our Patriotic Debt Reduction

Big Strides Forward in Our Journey Out of Student Loan Debt

Where the Heck Have We Been?: An Update

Rob & Maria on Rob's Porch

Selling Rob’s House and Moving Forward

Still On Our Way to Debt Free

Why We Love Financial Peace University

Dealing with Debt: Our Story

Dealing with Debt: Maria’s Story

Dealing with Debt: Rob’s Story

Share this:

  • Click to share on Facebook (Opens in new window)
  • Click to share on Twitter (Opens in new window)
  • Click to share on Pinterest (Opens in new window)
  • Click to share on Tumblr (Opens in new window)

Filed Under: Money Tagged With: debt, insurance, money, savings, student loans

Subscribe to Our Newsletter

Success! Now check your email to confirm your subscription.

There was an error submitting your subscription. Please try again.

Comments

    Leave a Reply Cancel reply

    Your email address will not be published. Required fields are marked *

    This site uses Akismet to reduce spam. Learn how your comment data is processed.

  1. Bailey says

    January 18, 2015 at 1:26 pm

    Congrats! Your blog motivates me as I’m trying to get out of 20k of debt.

    Reply
    • Rob Gavin says

      January 18, 2015 at 1:30 pm

      Thanks, Bailey! It makes us happy to hear we’re helping.

      Reply
  2. Kathy says

    January 18, 2015 at 9:24 pm

    Congratulations! As a big Dave Ramsey fan, I am so happy that you are sharing your journey as an encouragement to others. It is so wonderful to be debt free and be able to give freely!

    Reply
    • Rob Gavin says

      January 18, 2015 at 10:51 pm

      Thanks, Kathy! We are looking forward to moving on past the debt and saving and giving.

      Reply
  3. Tiare says

    January 27, 2015 at 2:52 pm

    Congrats on continuing to defeat your debt! Your story is inspiring. Thanks and please keep sharing!

    Reply

 Rob and Maria from Crazy Together

A nerd and a perfectionist fall in love.
This is our story.

Rob's a self-proclaimed nerd, Maria is a fashion-conscious stay at home mama, Dessa the super-silly big sister and baby Harvey makes us a family of four.

We are so glad you stopped by. Grab a coffee and stay a while. We have a lot to share.

  • Email
  • Facebook
  • Instagram
  • Pinterest
  • Twitter

Search The Blog

Subscribe via Email

Success! Now check your email to confirm your subscription.

There was an error submitting your subscription. Please try again.

Personal and Family Finances

How We Paid Cash for a New Car (and How You Can Too)

The Time We Forgot to Balance our Checkbook

How I Pay for My Stitch Fix Clothes

Our Budget After Going Debt Free

Ringing in the Holidays with a Huge Home Expense

Instagram

Follow on Instagram

Find us here, too!

Everywhere

Tweet with Us

A Twitter List by boxybosco

Copyright © 2023 - Powered by Genesis Framework & Wordpress - Designed by Bellano Web Studio - Log in

Read our Privacy Policy here.

Crazy Together is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.