One Step Closer

This week marked a milestone for us.  We put the last few dollars in our savings to get us to our FULLY FUNDED emergency fund!  We now have enough to cover 6 months of expenses.

WOOHOO!!!!  YIPPEE!!!!  WOW!!!

I wish I could explain how this feels…this sense of security.  It’s like nothing I’ve experienced before.  The worry of losing a job is gone.  If it happens, it happens.  We’ll worry about it if the time ever comes.  I no longer have a knot in my stomach.  A huge weight has been lifted from our shoulders.  We have followed the Dave Ramsey plan (much slower than what he teaches), but we are finally getting to know what financial freedom feels like.  The worry of what bills we will pay this week is completely gone!

Not only has a weight been lifted, but there’s this sense of accomplishment.  We have spent the week reminiscing on the early years of our marriage and how we would juggle bills and wonder how we were going to make ends meet.  I spent so much time worrying.  I never in a million years would have dreamed that we could save up 6 months worth of expenses.  We couldn’t even save $100.  We were very much paycheck to is it payday yet?  Thank goodness we never fought about bills.  We were in it together going through those tight times and it just brought us closer.

Living this simpler life is what it’s all about.  Not keeping up with the ‘Jones’.  I don’t want the debt that they have.  I have no need for a brand new car or the latest IPhone.  I wish I could have seen that when our daughters were younger.  We would have raised them differently that’s for sure.  Don’t get me wrong, they have turned into great people.  They just didn’t need all of that stuff to make them great.  Will they even remember all of the stuff we bought them?  Hopefully not.  I hope their memories are of the times we spent together.

The next step is to pay Uncle Sam.  We owe him a ‘little’ bit this year.  After that we have a few purchases we would like to make…with cash of course.  Gotta save up and then make the purchase.  This gives us time to shop around and not make an impulse buy.  Then it’s on to the house.  My goal is to have it paid for within 5 years.  I’d love to do it in 3, but we still need to be able to eat and have a little bit of fun.

I hope this encourages you to keep working towards your goals.  They are attainable even if they don’t feel like it at the moment.  Just one little step at a time.  How do you eat an Elephant?  One bite at a time.

Be sure to check out my website at and follow me on Instagram @newgardenhomestead.

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