Progress feels GOOD


Hey all! Did you miss Sallie & Perkins last week?! With the holiday weekend excitement we figured we'd take a week off and gather our thoughts… that's okay every now and again, right?! We have exciting stuff to report so we wanted to be sure we got it right!

Remember how June was the official NO spend month?! Now Sallie and Perkins aren't ones to toot their own horns but they rocked the month of June and it was just what they needed to get serious about debt.

In a normal month's time, Sallie and Perkins were paying roughly around $450/month on student loan payments. Mainly minimum payments but occasionally making an extra payment here and there when they "had the money" left over.

After making a budget and really sticking to it?
Sallie and Perkins paid off $2,085.75 worth of debt in June 2013!!! Talk about building momentum!!

We cannot say it enough… it just takes a few small changes and a lot of discipline but you really can tackle your debt. Was it super easy? Nope. Did Sallie and Perkins argue about money from time to time? You bet. But was it worth it to see how much they accomplished in just 30 days? ABSOLUTELY.

And did they do a little dance party to celebrate? Duh.

We know what you're probably wondering. What the HECK did they do to keep themselves entertained if they couldn't spend money?? We're glad you asked. Honestly, we were so much more productive than we've ever been. We did all those things that we always claim we don't have time for!

For instance:
Puzzle/game nights were a regular occurrence.
Working out together actually became something we had time to do.
We went on after-dinner walks and just enjoyed good conversation.
Made date nights out of Pandora music and entering contests (Nothing wrong with trying to win stuff while you're broke!)
Also discovered fun survey sites that reward you with money like iPoll.
Deep cleaned our house.
Spruced up our yard and landscaping.
Organized more than we ever have and purged our closets.
Went swimming with friends.
Actually started and finished a movie marathon.
Spent more time reading and writing.
Cashed in all those 'reward points' from any past debit card/credit cards and were able to get tons of gift cards in exchange (Walmart, Home Depot, Target and a free Disney blu-ray dvd!)
Got creative with our cooking and eating on a budget became a fun challenge.

What may look like a boring list of an 'old married couple' actually proved to be a great month for Sallie and Perkins. Not only were they going after their financial goals, but they were going after short-term goals that had been put off too long, and finding easy ways to have fun together as well. Being on the same page financially can change your relationship in ways you didn't know possible.

To quote our favorite motivational guy Dave Ramsey, Sallie and Perkins are trying to "Live like no one else… so later on you can live like no one else." Food for thought today.

49 comments

  1. Awesome! SO freaking proud of Sallie and Perkins!! Hahaha. You crushed it for June!! AMAZING! So inspirational! =D

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  2. Wow that is so awesome!! Is it weird for me to say I can't wait to be dual-income one day to do this? It's just impossible on my single income. Yall are making awesome progress!

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  3. Oh wow y'all did amazing! Do y'all plan on doing this again soon? When this was decided, did one of you want to do this or was it mutual? I would love to do something like this but think maybe my husband would think it was too difficult/frustrating. BTW...love Sallie and Perkins. You have one great man who was happy and willing to take those pictures.

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  4. Wow, Erin! Congratulations! What a testimony to what really buckling down on your budget can do!!! I'm inspired by you all--I have to share this with my husband! Thanks for doing this series!:)

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  5. This is fantastic! I know that having a no-spend month all the time is out of the question but do you think its something you will do every few months/couple times a year?

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  6. You guys are doing so good! Ya'll are really making me want to follow in your footsteps and hammer my debt into the ground as well.

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  7. I swear I laugh out loud EVERY. TIME. I see those pictures. BUT, it is great that you were able to pay off over $2000 in debt!

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  8. Y'ALL ARE AWESOME!! Over $2,000 paid of debt paid in one month?! Killing it! I'm so proud of you--thank you so much for sharing each of your steps along the way!

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  9. Seriously you both rock! That is so awesome that you were able to see immediate results from sticking to your budget.

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  10. HOLY SHIT! Good job you guys! THAT is amazing!

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  11. Every week I read these and then report in to my fiance something we are going to change to help our financial situation. I'm still in grad school, and we are on one income only for about one more year... but we are managing ok for now and after reading your posts have set up a serious plan for what to do with all the extra income once i'm working!

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  12. Congratulations! That's an awesome accomplishment! Would you ever do an every-other-month spending freeze to keep it going? Or even every third? Great job you two, and as always I love the pictures!

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  13. Congratulations! That's amazing. And such a sweet note. :)

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  14. I'm absolutely loving this... I just need the discipline to not spend! It seems to be really difficult for me!!! And I realize I have everything I need! I bought Dave Ramsey's book awhile ago and have been reading it slowly! ... Actually there's a funny story about that! I might have to share on the blog! :)

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  15. I love this!!! So refresh my memory on "no spend month" was it just no spending on unnecessary items? Or everythingggg? Girls gotta eat!

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  16. Oohhhhh my gosh! Y'all rock! YOU GO SALLIE & PERKINS it's yo birthday ;) I'm in, so in, I want to do this! Making KC read this PRONTO!

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  17. You two are awesome!!!! Way to go :) Sallie and Perkins are such get motivators!

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  18. I love all your tips and tricks. You need to do a blog about the discipline it takes not to spend money. I'm the spender in our relationship. :)

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  19. That's quite an eye opening amount! You guys DID rock it!

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  20. I think my mouth dropped when I read how much you guys paid off just in June alone. Kudos to you guys but for real! That is so great! Keep up the great work :) And thanks for the tips on things to do instead of spending. I think my closet is probably calling my name...oy vey.

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  21. That is freaking AMAZING... congrats!! That's got to feel SO good and it's so incredibly motivating!

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  22. That is FANTASTIC!!! You should be very proud of yourselves.
    Isn't it amazing how creative you can get with your quality time when you don't have money to spend. :)
    Keep it up!

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  23. Amazing accomplishment in just one month!!!

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  24. Congratulations!! That's so awesome that you were able to pay off so much in just a month! You're inspiring me like crazy!

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  25. That is so great you paid off that much debt!!! Way to go!!

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  26. Congrats!! WOOHOO! Big Deal! :) We are starting a Dave course in August and we are pumped! :) Pefect timing since we just bought our house!!

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  27. CONGRATS - that is such an awesome accomplishment. I love these posts so much, but my new favorite picture is the "dance party."

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  28. That is AMAZEBALLS! GET IT!!! XOXO

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  29. holy cow - i am SO proud of you!! totally gave me motivation to kick some major debt! you go girl!! and guy. lol.

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  30. WOW WOW WOW - I'm in awe of you guys. This is probably a topic I talk about at least once a day. If I'm lucky I'll go a day without stressing about it but those days are few and far between. Sallie has taken over my life and I'm determined to get it back.

    At the present moment, I'm not making enough to cover adding additional payments, however, I do participate in bi-weekly payments to allow myself to be ahead of the interest, as well as pay one extra payment per year. I'm hoping in the next few months I'll receive a raise and be able to throw more money at Sallie. One day I'll never have to speak to that woman again and it will be one of the happiest days of my life :)

    Thanks so much for sharing your journey. It's definitely a motivator!

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  31. this is so incredible and an absolute inspiration. I currently pay a big $90 a month in student loans but luckily it is an interest-free loan so making the minimum payment isn't too bad.

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  32. Yay, Sallie & Perkins! Nice job on June - I adore the dance party pic.

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  33. I am SO proud of Sallie & Perkins!
    Seriously, if no one finds motivation out of this post, they are nutso!
    You know I am a saver & you just continue inspiring me to keep on keepin' on!
    Especially since I've now pretty much taken over my brother finances to help pull him out of a bit of debt.
    HOLY MOLEY- talk about stressful!

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  34. That is amazing!!! You guys are rocking it!

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  35. OMG! That is fricking rock star style!!! GO YOU GUYS!!!!! :)

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  36. whooo hoo! S&P have it going on!

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  37. You all are rocking it! I so need to get on a budget...well John does. I hate spending money and John spends it like it grows on trees.

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  38. I love this! Haha so creative. Congratulations!!

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  39. Heck yeah! I'd be doing a happy dance too!

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  40. ERIN! Paying off that much debt is one month is amazing! Way to go Sallie and Perkins! :)

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  41. Erin!!! That is so so so awesome!!! You guys are an inspiration!!

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  42. $2,085.75!? Oh my gosh, that is AMAZING!! talk about personal motivation and goal making! GREAT JOB!

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  43. That's awesome guys! I definitely have a budget but I'm not very disciplined on sticking to it. Student loans suck! I am working on paying mine of myself. So far so good though. Can't wait to see what Sallie and Perkins do next.

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