First comes love, then comes marriage, then comes…debt?

We’re a 20’s 30’s something couple, married with a busy toddler, and a whole lot of debt.

I’m Catherine, and decided to start this blog as a way to help keep us accountable while paying our debt off, as well as a way to share our tips and tools in hopes of helping others in similar situations.

Sadly, my education is the reason for almost all of our financial problems. We’re not in this situation because of any vast overspending or living beyond our means (not to say we haven’t put stuff on credit that we shouldn’t have) but we both grew up in modest households and were taught the value of a dollar.

We were married in 2009, where we then jumped onto the ”new marriage, new car, homeownership and baby” plan before figuring out a good plan for tackling the massive school debt we (mostly me) had. It took until Maria’s arrive in June 2012 for us to get real. Maternity leave, and us losing over $1,600 per month in income is what it took to get our finances on track. Our best work is done under pressure and now that we’re on fire we won’t stop!

Read: Can we pay off $70,000 in 36 months

I love a good excel spreadsheet and helping others with their money so decided to share our experiences (and many mistakes) with the world to learn from. I have no professional financial experience, just trial and error with my own life.