Blogging Goals

She Said:

Dollar in Hand


What do we hope to achieve from this blogging adventure?  Sure there is the obvious: accountability, sharing and learning from others, and public humiliation for what we are about to reveal about ourselves.  We can also provide sheer entertainment – I think sometimes we are invited to parties simply for this purpose!  And….

  • Share the savings successes
  • Find the courage to attempt raising cash (within legal means, of course)
  • Create a monthly budget that works
  • Highlight a charity we are supporting that month
  • Add up and reveal the actual six-figure debt total without fainting
  • Begin our roller coaster ride to the goal of slashing final debt total in 1/2 in 600 days.  
  • Fight to the death (er…sleep) of She Said 

And when the he said/she said cannot come to a conclusion, then we will ask you to vote. Wouldn’t you want to see happens when we follow your advice?

He Said:


To be completely honest, I am not much of a “state your goals” kind of person. In business, people want to spend the first three weeks on a project developing a vision statement.  To me, we are there to get something done, so why spend the time getting the wording right to prove we are on the same page.  LET’S JUST GET STARTED ALREADY!  

Yes, what she said is accurate with what we hope to accomplish.  Save, spend less, give to our community, and the final goal of slashing our debt in half in the next 19 months.  So, while I was reluctant to begin with, I am now at the point to where I am ready to

  • get rid of cable
  • sell a kidney or two
  • trade in the cars for mopeds that get 1,000 mpg
  • list our cute kids on eBay

See, babe, you are not the only one that can use bullet points and bold words.  But, I might be over-reacting.  So…ditto to what she said.

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About us

Forever in Love

Forever in Love

He Said:

Here’s a little story about Jack and Diane.  Two American kids, doing the best they can.  But, a little more about us – we’re a happily married couple with a 10 year old and a 4 year old.  On the surface, we probably look like every other family with a decent house, a couple of cars, and very busy with work and kids’ activities.  The big secret…we are in over six-figures worth of debt.  Without the houses.  Without the student loans.  Let that sit for a second.

I am a professional in the IT industry and am completely in love with my wife and family.  That being said, I have no problems disagreeing with her and providing my humorous viewpoint toward the issue at hand.  I am hoping to entertain, teach and be taught.

And, it was either start this blog or declare bankruptcy.  Bankruptcy looked like a lot of paperwork.

She Said:

Before anyone thinks we have simply gone gung-ho with credit and run up many bills to have have rows and rows of shoes to show for it …. let me be the first to tell you, I only have five pairs!  It simply wasn’t like that.  In hindsight, we did not live within our means.  We attempted many times to stick to a budget.  We submitted ourselves to numerous personal finance classes.  We had many expectations of the future based upon our college educations and career paths – but the expectations did not all come true.  We pay our minimum every month but you realize now that the minimum is never enough.  You think you have a handle on it and you will resolve the issue next month but then something always happens to crash this plan.

While Jack is working his magic in the land of math, logic and coding, I spend my days helping others in the ….. fundraising world.  Yes, I see the irony there.

Our plan now is to be simple, honest, and put it all out there.  We rarely agree and usually tend to agree to disagree, but now we need you to referee.

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To Blog or Not to Blog?


To blog or not to blog ….. that has been the question in the back of my mind for a while now.  Why blog about your finances and financial struggles?  Why risk the public humiliation?  As with anything, there are pros and cons.

  • Pros:  We share our trials and triumphs with others; Accountability for our actions; We learn from others in internet land tips and tricks; We get to do the happy dance when we succeed; Probably be used an example for ‘what-not-to-do’
  • Cons:  We become an open book so will others like what they are reading?; We fail, we write, we feel worse; We give bad advice and hurt others; We are now required to be honest about all of our debt and spending – and it’s not pretty!

In the end, “To Blog” was circled with a green sharpie.  The deciding factor?  I do not have to do this alone.  My wonderful husband who has known me for almost 20 years has agreed to venture into the blogoshpere with me and co-chair this adventure.


My first thought is where in the world did she find a green sharpie?  I spent literally hours looking for anything other than an unsharpened pencil the other day and she apparently has a rainbow of sharpies stashed away. Two Hearts

My beautiful wife has had this idea of digitally journaling our struggles and triumphs…and I honestly admit I was reluctant.  To me, we have this immovable mountain in front of us and, while we didn’t discuss its existence, we could live in the happy valley of deniability.  My job, for the longest time, has been moving the 1’s and 0’s around on the budget to keep the bills paid, food on the table, and the roof over our heads.  The shadow of the mountain has grown now that we cannot ignore it anymore.  A painful example was just trying to rent a car recently.  After digging thru several cards just trying to find one with at least $250 of credit available, you realize that the mountain is winning, whether we want to admit it or not.  We have no other choice but to trudge up that mountain and beat it…before we are lost forever in its shadow.

The question at hand though is why do this blog.  The answer for me is simple…our kids.  We always want our kids to do better than us, and we have done better than our parents.  But, we have been so stupid about so many things getting to this point, that I don’t want them to relive our past mistakes.  They are 4 and 10 years old today, but credit card companies and car loans and student debt are not that far away.  If this blog can break this cycle before it begins for them, then, to me, it is worth it.  So when they reach the age we are now, they can enjoy the fruits of their labors rather than paying for the mistakes of their past.

So, the adventure begins, hand in hand, as we walk up the mountain of this debt.  Whether we win or lose publicly, my wife, partner, and best friend will be with me every step of the way.  I would have it no other way.

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