I am 31 weeks pregnant today. Today is big in two ways;Â
1. I’m huge.Â
2. I woke up to an email this morning alerting me to a large direct deposit into our bank account. 🙂 Our federal refund came!
That  means that one of our 3 credit cards is 100% paid off as of 7:30 AM this morning. And a second one had its balance cut in half (other half to be paid when our state refund comes). And we’re also now very, very close to having what we need in savings for my maternity leave.
This is a day that will go down in (our credit) history. It took so many years to get ourselves in debt, with it creeping up on us slowly. It can all be traced back to college, where working combined with the student loans (and not wanting to take too much from our parents) didn’t cover the bills and groceries were purchased on credit. And then it snowballed from there. Its hard to stop creating more debt when you’re constantly trying to pay off old debt.Â
I think ours is a typical story. “Investing” in college can get you off on the wrong foot financially at first. But hard work, living frugally, time, and some career advances have gotten us to this day. And let’s be realistic – without “investing” in college, we wouldn’t have advanced as far as we have in our careers. So it was a tough start, but worthwhile in the end. No looking back now, people!
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