Our Financial Peace Journey: April 2016

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If you are new around these parts, the Mister and I took the Dave Ramsey Financial Peace University course through our church last year. We have a goal to pay off half of our consumer debt this year. You can catch up on our journey by checking out our previous recaps:

April Budget

Let’s start by addressing the fact the Mister had his trip to our jujitsu convention at the end of March. Between that and how busy I was getting ready for the art festival, we didn’t have a moment to sit down together for our April budget meeting until about halfway through the month; thus we didn’t have a March recap.

Between the two months, we did have to dip into the emergency fund because my laptop started to fail in March. Since I work for myself and run my business from the laptop, it had to be replaced.

April Victories

Between the emergency expense and the Mister’s conference, the extra income pretty much kept us at a zero-based budget. I’d rather have that than having to put the expenses on a credit card, which is how these things would have been handled before.

I also have to give props to having faith that our needs will be provided for. We also needed a household repair that should have cost about $300. We hired a friend of ours in that industry to handle the repair.

While I was home that afternoon for the repair, I watched Amiyrah’s scope about financial affirmations and completed her homework assignment. That afternoon when I tried to pay this friend, he wouldn’t take any money; simply said that he wanted to help us out. How about that for the power of God?

So I’m comfortable with not making much forward progress on our debt snowball these two months since we also didn’t slide the other direction. Progress doesn’t always happen in a straight line. We know May will be a little slower as well since we’re piling up money for paying our taxes; I’m expecting to hear from our accountant any day now.

Do you want to get started on your journey to financial peace? I’d suggest reading The Total Money Makeover or going to daveramsey.com to find a local Financial Peace University class.

What are your financial goals for 2016? What changes are you making with your money and budgeting processes this year?