July Debt Free Diary


June was awesome. July was…not.

It seems like every time we have a really good month we get comfortable and don’t try all that hard the next month. Instead of paying off a bunch of debt we ended up over budget.

Granted, we had quite a few unexpected surprises.

All within the first week of July my phone broke, our neighbor accidentally broke a glass panel on our door, and my car started making funny noises. Yay life.

Luckily, I was able to just replace my phone’s screen ($500 saved), my husband was able to fix the door ($120 saved) and my car is still chugging along.

We were also on vacation the last week of July. My sister got married. It was a beautiful wedding (with the cutest ring bearer ever ;)) and we all had a great time.

Since we knew a lot of our money would be going to the wedding and trip, we didn’t try very hard to chip away at the debt snowball. All along we have said July would be a wash, and it was.

It is amazing how your mindset makes or breaks you.

Looking forward

On a positive note, I get an extra paycheck this month. As long as we can get our brains back to reality, we should make a very nice dent in our debt payments.

Our goal is to have the next credit card paid off by September. I would love to knock it out this month but there is still a little over $2,000 to pay. We will see how things go.

My husband found a welder for a good price so he has decided to pursue his dream of starting his own welding business. I don’t pretend to understand how this will work or where we are going to put this giant machine but I am proud of him for taking the leap.

My goal for this month is to organize a garage sale for Labor Day weekend. I have said I am going to do this for almost two years now.

My basement is full of boxes of things to sell. I hate the idea of sitting outside in my ghetto street all day trying to sell my stuff but they have got to go. It should be interesting, that’s for sure. (Update: I chickened out on the garage sale…again. I have been selling things slowly online.)

Well, here’s to another month of dumping debt, living uber simply and loving my life just the way it is.


Author: Vanessa

I am a free spirit who learned to use creativity as a key to success in chasing after debt freedom. I am a mom, lover of all things DIY, a little bit of a treehugger and modern-day hippy and an encourager to the core. If you need a little inspiration for your debt free journey, you’ve come to the right place.

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