paying off debt

we've got a lot of debt. after a few years of living off of a single income, we've learned how to make it work--but that doesn't mean we didn't lean on a few credit cards (and mom and dad! love you!) to get us through some tough[er] times.

so, lately we've been super diligent in playing off debt. my new favorite hobby is looking at/updating a spreadsheet i created to see what debt is left and what our smartest next steps are. it's fun (i'm weird) seeing the utilizations, payment dates, interest rates(!), etc side-by-side.

and my second favorite hobby is clicking the little bubble next to "Balance" on payments. that's a new one for me. i'm very accustomed to auto-pay taking out the minimum payment every month. i know, i know, yikes.

today i paid off the balance of my (our?) target card. can't say he had a hand in that one. double yikes.

guys, this one was in the quadruple digits! not proud.

but anyway! we are seeing our debt-to-income ratio dwindling before our eyes. and that. is. fun.
we've vowed to pay off our credit card debt + my car before we move. we've got a pretty sweet setup where we are--we love our house and the mortgage payment is next to nothing. it'll be hard to say goodbye to that, knowing our next house will be bigger and in a nicer area aka more expensive.


  1. Glad to see you being more financially aware, Kelly! Just make sure to remember that there is no other way to accomplish that, than to take baby steps. Don't expect to see large numbers in the short time you'll be paying. If you plan it well enough, you'll be able to see results. Just take the slow and steady way, because it's always the surest. All the best to you! :)

    Naomi Cruz @ 4 Pillars

  2. Glad we could help, you two have been very diligent in getting all your ducks in a row, we are very proud of the both of you❤️

  3. Estate Millwork crafts elegant Wood shutters, Cedar shutters, Mahogany shutters, Custom Shutters, Exterior wood shutters, Outdoor wood shutters and Custom wood shutters. Stunning quality made to order with state of the art technology and 18th century craftsmanship. Our easy to use website will allow you to quickly design, price and order premium quality custom millwork in a variety of hardwoods for prompt delivery.