Can we do it?

Recently I became overwhelmed with the continuously mounting debt that we have and no matter how much budgeting I did I couldn't find something that I could stick to. Until now. Enter YNAB. Yes, You Need A Budget and so did I. I am still on day 4 of the 7 day trial but I already know I will be purchasing it. It has literally made me think about my money differently in the 4 days I have used it. I am realizing slowly that we do not have as much available to play with every month like I thought we did. I am realizing that without buckling down and doing this YNAB plan we may very well never get out of debt because I dont see the bigger picture I only see a 2 week snapshot. I am also realizing that this is what budgeting really is. Planning what you will do with your money  today and next week and next month etc. Now instead of looking in the bank account to see if we have enough to buy what I need I look at the budget and see how much I have left from what I set aside in that category. More to come later... children are callin!

The start of something new... maybe

I have had the worst November/December ever. In this month alone my 1yr old son has been sick twice most recently with Roseola and an ear infection at the same time and I have had a kidney infection and an upper respiratory thing.  Anyways the point is I have been home so very much in the past few weeks and I rather like it. I love the time I get to spend with my sons and the free time I get for myself. I don't miss the office politics or the work really. I especially don't miss the daily 3 hr commute. The problem is that my husband and I have massive debt and want to buy a house. (Ok, so its really not massive compared to how much debt America has. It's like 15-20k total but that feels massive to us!) I cant want both things right? Wrong. I want both. Therefore I will make both be possible. Somehow.

I haven't yet told my Husband.... but I am thinking of a hardcore 5 yr plan. I don't yet know if a 5 yr plan will be doable but I am going to start working on the details of the plan. I'll update you guys in a while after I think this through some more.