I’m Free!

Hello from bright and sunny Iowa!

So, Neal and I totally went to bed at 2AM last night and woke up at 4AM this morning to go to the airport.  2 hours of sleep is no bueno!  I got my hair done last night and didn’t start packing until 11PM, oops!  Neal was cracking me up this morning though as he literally couldn’t function off of the 2 hours of sleep he had gotten.  It was hysterical.  We were out of bed and out the door in 15 minutes though, so we were champs!

I knocked out on our first 1 hour flight and was totally out of it when we got to Detroit.  Neal was a total trooper, as he didn’t sleep a wink on flight number 1.  On the second flight be both knocked out and have been go, go, go ever since.  I am running off of 4 hours of sleep and Neal is running off of 3 hours….craziness.

I have also been a really good girl today eating wise.  I brought some granola with me to the airport, so as to bi-pass the breakfast sandwiches and high calories treats that line the airport halls.  Neal and I were also very good and stopped by subway for lunch instead of trying a butter burger from Culvers.  Supposedly these are amazing, but we were rock stars and went to subway instead!

We’re in Iowa this week visiting family and will be going to the opening Iowa football game on Saturday, but we’re also here so that Neal can do some research for his next Iowa football book!  Today we’ve driven all over doing research on a particular football player and are now at another library and should be here until they close at 8PM tonight (It’s 4PM now).  Long day, but I know Neal will be thrilled to have this research done!  At this point, I think my Wednesday run is not going to happen, but an early morning run would be fantastic tomorrow morning!

So…. here’s the big news for today…

I just paid off my credit card!!  I made a lot of big purchases on that card… laptop, couch, and practically a new car after all of the service I’ve had done on my baby.  I’m grateful to have had the card for emergencies, but it feels so good to have it paid off!  Of course, times will come up when using a credit card is a necessity, but I’m just so thrilled to have it paid off.

I wrote a post a few months back about saving money and I truly believe that these steps helped me to pay off my credit cards (minus getting a part time job).  The truth is, we all know the steps we should take to save money and to pay off our debt, it’s just a matter of doing it.  I’ll be the first to admit that I’ve created a gazillion budgets but have a hard time sticking to them for a whole month.  I’m good for a week or two and then I go back to old habits.

Using Mint has really helped me, not only with budgeting but also with knowing where my money is going.  After paying all of my bills, I tend to spend money on the following things:

  • Groceries
  • Gas
  • Dining out
  • Buying gifts for others (friends, family, Neal)
  • Travel
  • Random crap that I don’t need to buy at Target (anything from candles to CDs to clothes)

My new meal planning calendar should help me a lot with my grocery budget and I just need to flat out be better about not spending money on others too often, on travel, and on other random crap.  I know I can do great…I just have to do it!

What helps you to stay financially disciplined?  Anyone else out there ready for College football to start this week?


6 Responses

  1. Yay congrats!!! It feels amazing to punch that debt in the face and call it your bitch! Good luck keeping it that way!

  2. I love running through airports on 2 hours of sleep 😀 I did that yesterday… and then today I slept til noon!

  3. i have always been really protective over my money..many people tell me its so good that i save, but i tell them that it’s actually not that great since i become TOO anal about spending money… it’s almost like a mother bird protecting her nest…im the bird and my money is my nest LOL

    xoxo ❤

    • Hey Kelsey! Welcome to Coffee Cake and Cardio!

      Saving vs spending money takes a lot to balance. While it’s great to save, my opinion is that, as tomorrow is never promised, don’t let saving keep you from experiencing life and sharing it with others. Make a portion of your savings expendable and then keep the rest off limits.

      I love the mother bird analogy, its great!!

  4. […] time here has been absolutely wonderful.  After a day of traveling and book research on Wednesday, I took advantage of Thursday and totally relaxed!  I went to breakfast with […]

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