It took us 27 months. At times it seemed like it would never end and we'd be scrimping and saving forever and never be free. During that time we sold as much as we could to help it go faster. The motorcycle, a game system, a laptop. Our goal was to be debt free before the baby came and if we played our cards right, before Halloween. In August we realized we were not going to hit our goal so Ryan suggested selling our car. This was an idea I had thought of, but Ryan loved that car so much I knew he wouldn't want to part with it. It surprised me when he said it, but I was so proud of him. At this point I knew he just wanted to be done with the debt. If we sold the car it would give us a huge jump start and with his bonus we'd be debt free in a matter of weeks. We were so fortunate that our friend Mario loved our car and had actually been looking to buy one. He called Ryan the day after we decided to sell and asked him if he would sell it to him. We'd never even mentioned it to him. We told him yes and as soon as we found a car it was his. I was super nervous to buy a car in NM so we had my dad on the hunt for us. He test drove a few before pulling the trigger. We drove to UT Labor Day weekend and payed cash for the car. 6 weeks later we were debt free.
I love Dave Ramsey and highly recommend Financial Peace University. It goes over every aspect of finances from credit to insurance to mortgages. We learned so much and are definitely at peace. There's a new version now and it's only 9 weeks instead of 13. Our instructor, Brenda, was great and if you live in the Salt Lake area I'll tell you to go to her. Click here for more info. We will be done with Baby Step 3 next month and are excited for what the future holds. It feels good to be prepared and have a plan for our future.