Okay! lol I've been reading this thread for hours and hours (first day off I've had to myself in I don't know how long!) I am a newcomer to this particular thread. I've found a surge of motivation for get on the right financial track. My fiance and I have approximately $22,000 in debt. I in my last year of college, and my fiance will finish his PTA degree next year.
This year, however, my fiance is not going to school. He is working and supporting me while I finish my degree. He pays for all of our monthly bills with the exception of the monthly minimums for this debt we've accumulated (he also covers his car payment which is our only other form of debt). I work as a waitress in addition to going to school. All of the tips that I earn go to my "Getting Ready for Disney World" box because honestly, most of what I think about is our next trip to Disney World
Our next trip will be in Nov 2016 when DF and I get married at WDW!! I'm super excited. DF and I are paying for his little brother, my sister, my niece (4 years old), and my nephew (1 year old) to come to the wedding. So, in addition to trying to dump our debt, we are also working hard to save for all the wedding expenses.
To help me save, I use a bit of a reverse envelope system. I have labelled (and decorated!) envelopes for each thing we're working to save for. Right now, I'm concentrating on the $2,600 that has accumulated on our Disney Visa and the private dessert party to view Fantasmic that we're throwing as our 'reception'. We pretty much have all the money for dining plan, tickets, and rooms for the trip put away.
Wow. I've squeezed a ton of information into this post! I think I'll give it a break and go back to reading this thread. I'm on page 27 but couldn't resist jumping in with some of my story!