A LOT has changed in our lives in the past few months. In February I accepted a job in Raleigh, NC and we moved 750 miles from Central Illinois. We joined a gym and started working with personal trainers and a nutrition coach to help us get healthy and fit. We’ve dialed back our retirement contributions in order to put as much money on my car loan as possible, and with just over $9K left on it we should have it paid off by October of this year…. Never again will I finance a car… But all of these changes pale in comparison to this one change that we plan on… Trying for a baby.
2016 was an exciting year. It marked my first full year out of college, Mrs. VOF’s graduation from nursing school, and was the first year that we actually buckled down and got serious about budgeting and saving money.
When you think of money, what is the first thing that comes to mind? For me it’s budgeting.
For years I struggled with setting up a budget that would actually help me save money. It got so bad that at one time in my life I didn’t even want to log into my bank account to see how much money was there. I had tried everything from custom-made spreadsheets to Mint.