Simple Conversation Leads to Major Changes

Hello Blog World!

My name is Kimberly Watkins, and I'm getting the hell out of debt. Also during the process, I'm giving back at least 30 lbs to the fat Gods. Thanks, but no thanks. So what was the simple conversation? Two friends and I meet up to go through a Bible Study (don't stop reading because I like Jesus) at least twice a month when we can. After one of our discussions, a friend of mine mentioned that she and her husband live off of one income. I was absolutely shocked. My husband and I had aspired to live like this, but after moving to the  DC Metro area we almost gave up on the idea. Our plan was to pay our bills, do some savings, and then eventually get out of debt. We found ourselves spinning our wheels because we would pay off our credit card one month only to find ourselves doing it again in a couple of months. We'll just pay it off in a few months and then we can move forward, but we never really adhered to our budget! It's laid out in a wonderful spreadsheet, but it meant nothing for three years because we spent at our leisure.

The dreaded "b" word will determine if you have control of your money or if it has control of you. How were we making all of this money, and we didn't know what was happening to it every month? Did I just rob Peter to pay Paul? How did that happen? Well we said ENOUGH! We paid off the last of the little credit card debt that we had, and decided it was time to get radical. We are sick and tired of being sick and tired, and we don't accept this to be our norm. We are Team Watkins, and we are the Debt Slayers of 2013 (insert Lion O's HOOOOO here).

From here on, I'll be blogging about our Adventure to get out of debt and hopefully other wonderful things as well. I would like to thank Deanna and Simone for being a part of some small conversations that led to major changes.

- Debt Free in 2013