Can I just say that I love that our initials are BS? It makes me laugh. When I label our movies or other belongings we don't want to get lost I write out B.S. Taylor. So fun.
OK, here's what Ben and I have been doing over the last 18 months.
1. We've been running. For Christmas Ben got an apple watch on the condition that he actually use it for running. So we planned to run a half marathon on our anniversary. It was fun that we did it, awful while we did it and something we are planning to do again (although I will pick the route this time...Ben's route was all uphill!)
2. Finally spending time away with just us. I know that everyone else has already been doing that but this is new for Ben and I. We were always poor college students that never took trips; then we were poor graduate students with kids; for a while we were poor doctorate grads with even more kids. Now we are maxed out on kids but making actually money that we can stat budgeting a little bit here and there for us to do things together. Ben has a continuing education in Forest Grove that we go to each year. The gas/car/hotel/some food is all covered so we are still being as cheap as possible. This year we took an extra day to go hiking in Portland at Multnomah Falls. Turns out we enjoy hiking together.
The squeaked in some time between his classes to watch Wonder Woman (awesome) and then we continued our trip to Astoria. This was our big splurge. We actually paid for this hotel night ourselves. :)
While in Astoria we also stopped by the school from Kindergarten Cop and saw the Goonie house from a distance.
And finally, 3) We have been following Dave Ramsey. We actually started this in 2015 but it has pretty much consumed and changed our lives from that point on. It has been a great journey of learning and understanding money better. We discovered that even though we've never missed a payment and didn't believe in "debt" we had slipped into a lot of bad situations thinking we were making smart decisions. We have spent many nights working on budgets together, calculating student loan repayments, creating a time frame for savings and retirement. Along with that we've made many sacrifices. I now teach the kids piano, we've gone without heat in the winter to cashflow our HVAC, Ben sold his truck that the whole family loved, Ben either rides his bike to work or I drive him since we have one car, the kids have cut back on sports, and those crooked teeth have to stay crooked until we save up the money for braces. It has been almost three years now of the Dave Ramsey lifestyle and it's been a huge blessing for us. In those three years we have gotten our debt down to just the house and student loans. We've also cash flowed some pretty major home repairs (windows, exterior paint, plumbing, HVAC, gas lines). I keep asking Heavenly Father if we can just have 18 months off from home repairs. Replacing every system in the house in the last 18 months has been a lot of work. If we could just get a reprieve for a while it would be much appreciated. I'm proud of us for paying cash for all the repairs and having the patience to wait. It's not something we ever would have done before if we hadn't learned about Dave Ramsey and how to better handle our money. We would have charged every house repair we had it would have cost us thousands more! Ben is a trooper about it. And he cheers me on for doing it. It's been a huge building block in our marriage. I feel like we a strainer now than we ever were before. Our goals are united. We work towards them as a team. The kids have also adopted Dave Ramsey. If we can get them on better financial footing than we were then we will have succeeded.
