2011~Our Year of Austerity

We decided to make 2011 our year of austerity. Since purchasing our home two years ago, we haven't been on a written budget and our lack of savings/mortgage reduction progress proves that. Fortunately we found Dave Ramsey way back in 2002 so we haven't had any non-mortgage debt since 2004.

We refinanced our home down to a 15 year fixed rate mortgage this summer and have a plan to have the house paid in full by the end of 2015. Big goal but very doable with no other debts.

I am a terrible blogger. This blog has been idle for a couple of years now after just a few entries. But this is my second post of the day so I have doubled the number of entries in my blog in one day. Looks promising right ;-) Anyway, I need to stay motivated so that all the goals we have set are accomplished by year's end. Hopefully blogging our journey will help keep me motivated.

Thomas is Catholic!

Baby #4 was finally baptized yesterday after the noon mass. It was a private ceremony in the Blessed Chapel. Tommy slept through the baptism. Guess the mass just tuckered him out!

Here we all are in the chapel after the baptism. Father Moss did a wonderful job and we are blessed to have him in our parish.

Welcome to the Church Thomas Allen Black!