My last blog post was written exactly six months ago. In that post, I talked about how changes were coming. I was correct! I had no idea how drastically different life would be in six months.
Let’s address the obvious first – the coronavirus. We’ve been staying safe at home for over a month now, venturing out only to buy groceries, pick up coffee (drive through!), and take walks. My husband is working from home and my daughter’s school is conducting online classes now. I knew that the time would come when my entire family would be home 24/7. My daughter graduates from high school in June and my husband has been working remotely for the past eight years. Come this summer, everyone will be home unless my daughter is able to obtain her first job. What I didn’t expect is that everyone would be home 24/7 starting in March!
Another big change is that my husband was offered a new job. He shifted from an IT jack-of-all-trades to an IT security position at a huge company. This has been a bit of an adjustment for him as he now has a niche. The position came with a noticeable pay raise and lower health insurance premiums. The two of these things combined led to our third major change – huge debt payoffs.
In the past six months, we have eliminated over $22,000 in debt. We paid off our car and received the title in the mail (woohoo!). We also paid off our last two credit cards. Between these three debt payoffs, we have eliminated over $400 in monthly payments. This has really helped our cash flow. We still have a personal debt to pay as well as two student loans. We started to pay off the student loans but decided that with the shaky economy, it would be better to redirect all of our extra funds into savings. We are now building our six month emergency fund.
The final change is that I enrolled in a free online class during the month of January. This class was titled Best Decade Ever and was taught by Mel Robbins. I am rather in awe of how much this class has shifted my mindset and has given me something to work towards. Mel taught me how to dream again. These aren’t just small dreams but massive dreams that can be worked on over the next 10 years. My dreams are simple but challenging at the same time. I plan to expand on this more in upcoming blog posts.
I can’t believe how much can change in six months. Our finances have dramatically improved. My husband’s career has been given a much-needed burst of energy. My mindset has been expanded and I feel like I am finally working toward emotional healing. Something in our lives shifted six months ago and we declared that we were ready for change. Change has come and I am grateful.