Welcome to week 13 of our Debt Free Friday series! I can hardly believe it’s already week 13, and yet also can hardly believe how little progress I feel like I’ve actually made. It’s such a struggle, documenting each week how little some things have changed.
In reality, I know that getting all of our bills under control, and paid ahead of time is huge progress. I know that working towards Baby Step #1 isn’t glamorous but is completely necessary. But dang it, it’s so hard to not feel mired down.
We’ve got a long journey ahead of us. I know that the progress is slow now, but once we get steam under us the weeks are going to fly by and I’ll look back on these early weeks and laugh. But we’re not there yet. So bare with me!!
This week I’ve had a lot on my mind in regards to money. We’re in the process of trying to figure out what projects need to happen around the house in order to sell, and all I keep seeing are the dollar signs. So I’m continually looking for ways to increase our income. And that’s hard.
I love my day job, and I’m grateful to have it. Going back to work was so hard. I miss having free time. I miss setting my own schedule. But the consistent paycheck really has helped us put a debt free plan in place and is worth the sacrifice.
A big part of my job I struggle with though is sales. Well. That’s not true, I don’t struggle with the sales, I struggle with my own personal ethics. As you may know, I work in a bank. And I love it, so much. But like any bank, it’s our job to provide our customers with the products they need.
As someone who has struggled with credit card debt, I can’t in good conscious sell credit cards to most of our customers. I know that it’s a quick and easy way for me to make some extra money. But I just. can’t. do. it… No matter how much that extra money would help, for me personally I can’t do it. I can’t contribute to the lie that we need credit cards in our lives. Especially not while I’m writing this series to encourage you all to get debt free.
Instead, I focus on products like money market accounts, savings accounts, mortgages, investment opportunities, even insurance. All products we offer that people genuinely need and can benefit from. All sales opportunities for me that have a lower payout or take more time to sell. And I’m ok with that.
I’d rather keep my soul and sanity than make a quick buck.
Single pay week this week. And I’m not really doing much with it in terms of our debt. It’s pretty much all going towards our projects around the house. Plus keeping up the small cushion I want in our accounts. I’ve been working my tail off to try and grow my essential oil business and worked really hard this week teaching classes and doing a really fun vendor event.
I’m also complying a list of ways to earn some extra income that I’ll share with you guys in the coming weeks. We all could use some creative ways to bring in a little extra money.
I also found out that my company funded my HSA this week. If you’re unfamiliar, an HSA is a health savings account. This is a bank account you can fund pre-tax to be used for medical expenses when you have a high deductible health insurance plan. This was a bit of a bonus for me because I started after the first of the year I wasn’t sure if I would get any money contributed.
This week I was able to make one credit card payment and I’m also using my surprise HSA funding to pay one of my hospital bills from my stupid foot. Otherwise not a lot going on with the expenses. Next week is a double pay week and I’ll be getting most of our bills for May paid.
While we were slow at work the other day I made a list of all of our bills for the next couple months. I did a rough estimate of when each bill would be paid, and by who’s paycheck. Because we don’t really know what schedule of pay Dustin will be on when he starts the new job I wanted to make sure we’d be enough ahead even if we had to wait a couple weeks until his pay would start.
If all goes well we’ll be a full month ahead on bills in July and be done with Baby Step #1!