Sallie & Perkins: September Progress

Hello, debt-eliminators! Hope you weren't looking for us yesterday, as we usually post on Tuesday's. But who are we kidding.... you guys didn't even know what our names Sallie and Perkins meant, you sure as crap didn't know our posting schedule ;)
I feel like we just started out a really mean blog post, and it wasn't meant that way at all. So maybe we'll try again? HI FRIENDS!!! We're here and ready to cheer because we kicked some butt in the month of September.

Sallie & Perkins paid off $2,441.89 worth of debt in September 2013!!!

If you've been paying close attention, you will note that the figure is slightly smaller than last month's payoff. Not significantly less, and honestly, we don't have an explanation behind it. Life happens, gift-giving happens, an extra date night? It happened. But we still paid off a large chunk and feel good about what we were able to do. Sallie just has one grad school loan left and it's on track to get paid off before October is over. Cheers to that, amiright?!
Perkins? He has been working overtime more than normal lately. With the holidays quickly approaching, it will be nice to have a bit more of a cushion ready for us when we start buying gifts.

Sallie? She's on salary, so the opportunity for overtime isn't there. However, her blog designing and occasional extra blog income all goes directly to debt. Not only does she do blog designs, but invitations, programs, you name it- Sallie designs it!

We work hard so we can pay off debt, but still play in the meantime. Lately we've felt so torn though. We won't be a family of 2 forever, and we want to live it up now and enjoy just being a married couple without the whole kid thing yet. But we constantly feel guilty over our debt and know that we need to keep working hard at it. It's a never-ending battle in my head, I'm serious. "Can we go on a vacation and spend some money? Sure! We should!" "Oh, but it will cost us this amount of money that should go onto our loans"

So even though we're still focusing on our loans and don't plan to let up on the intensity, we still want to make sure we're enjoying this time as a couple to the fullest. If that means a budgeted vacation we pay for in cash? So be it. Maybe it's just an upgrade to our house that will make living there more enjoyable. That's okay. The extra hours Sallie & Perkins put in for that extra income, makes everything work out, don't you think? We're still human and we still have to live a little, but it's definitely a fine line.

Keep us motivated! Keep us in check! We cannot wait for the day to blog that we're completely DEBT FREE. But we also want to share the fun parts of our lives and make a lot of awesome memories while we're on this path. What are your feelings on vacations while you're in debt? We know Dave Ramsey would say "no way, no how" but this is truly an area we struggle with. Sallie & Perkins want to hear from you!

32 comments

  1. You know I definitely know your posting schedule! ;)

    Quite honestly, you've made it look so easily that I wonder why I struggle with it so much so it's nice to know it's not as easy as it looks on paper. I always feel like going out to lunch when my leftovers aren't doing the trick or spend a little extra while I'm out because, let's face it, I deserve it.

    I think it is definitely a battle that you guys are winning and I say why not treat yourself? A discounted vacation can still be as fun as a lavish one so I say do it!

    ReplyDelete
  2. I do know your posting schedule for the most part :)
    The Sallie & Perkins posts (and my job and husband) keep me motivated to live within our means.

    Have you heard of the show Big Spender on the Bio channel? This motivational speaker Larry Winget basically sets people straight about their over spending, etc. I am addicted to the show! I am actually in the middle of writing a post about it!

    Oh, and you or Sallie does invites too? Trying to figure out the theme of Xavier's birthday party in December, but I will definitely keep you in mind :)

    ReplyDelete
  3. WOOOOHOOO great stuff y'all! keep up the good work.

    I think if you can find a vacation that works in your budget that's awesome. Maybe do a destination unknown within a budget or just drive three+ hours way to a lil bed and breakfast for some quiet alone just couple time. I totally agree, it's good to live it up while you don't have a baby, because once kids come into play...eeegad! C and I are doing that now and loving just being two.

    I know you'll rock it out!

    xoxo

    ReplyDelete
  4. You guys are rockstars! You definitely deserve to live a little!!

    ReplyDelete
  5. i've been grappling with this same issue.. grad school is starting to have it's way with me and at least once i day i tell andrew that we are going to the ocean! the mountains! anywhere! and i think we will soon.. if i ever feel like i am breathing again.

    mental health is as important as your financial health. plus, with spending a little- i think you will be more motivated to kick some butt if a some money goes. though it will be AWESOME to be debt free, it's so important to have that time with just you and jared! especially after how crazy some of your weeks are. obviously i am all for some vacation time for you- you deserve it!

    ReplyDelete
  6. Love Sallie's side bun! And congrats! You still paid a heck of a lot more than all the folks trying to get by making the minimum payment.

    ReplyDelete
  7. Every single person needs and deserves a vacation, I think it would be find to take a vacation as long as you're not going overboard. Who wouldn't love to see a Sallie and Perkins post on how to plan and take a budget vacation?

    ReplyDelete
  8. oh goodness. i guess my reply to your comment about wining and dining wasn't the best, eh? :) i'm a HUGE believe in paying down debt. after college i went cray-cray in europe and got myself into over $20k of debt. i never told anyone and promised to pay it off before i married my farmer...it was really REALLY hard and i sacrificed A LOT, but the relief in the end was worth it. i also learned a crap-ton from it. i don't know what kind of debt you kids have (house, student loans?) but let it be known that credit card debt is the pits. don't do it. :)

    ReplyDelete
  9. You know how I feel -- as long as its budgeted for, and paid for in cash... you deserve it!!!! :) MWAH!!!

    ReplyDelete
  10. Good job paying off more debt and almost being done with your grad school loan! We're working with a financial planner right now and had to provide all kinds of information and I was THRILLED that we had zero credit card debt. Such a great feeling!

    I do think it's important to enjoy life, too, and I think you should definitely plan a vacation. Celebrate your accomplishments and enjoy this time together!

    ReplyDelete
  11. What has been the hardest part of meeting your goals.. like what's been the hardest change or thing you've had to give up?

    PS: Take a mini vacation, maybe not a full fledge week long venture. You need to catch a break for yourself before you lose your sanity!

    ReplyDelete
  12. You make it look so easy! It's sort of nice to hear that it's not all sunshine and roses while we're struggling.

    I definitely think you should budget a vacation in! It gives you something to look forward to while you're working extra hard to pay off debt. You can sacrifice the smaller "extras" more often if you know you've got a big "extra" coming later!

    It's hard to rationalize but like you said, you have to enjoy the time of just being a married couple!

    ReplyDelete
  13. I agree with quite a few people above me.... as long as you don't set yourself back TOO much I think its ok! I know you guys don't use credit cards, so paying cash for a reasonable vacation should be a-ok!!!

    ReplyDelete
  14. I know how you feel! We try to stick to our budget as much as possible but we are at a time in of life (pre-children) that we will never get back. And I think that paying for experiences is better than paying for items. They are memories that you will always hold. As long as you stick to a budget I think a vacation is totally worth it!

    ReplyDelete
  15. Wow, that's super impressive!
    Sure, the scales might have to be more uneven right now, but there still is a little space for the "extra's". I'm sure you're both extremely deserving of a vacation!

    ReplyDelete
  16. You guys are doing an awesome job!!! Keep up the good work. I agree that you guys have to enjoy your time as a couple before having kids. I say, take a vacation!!! Even if it's a road trip or just an over night! You deserve it. You never know what will happen this month or next month. This is also coming from the girl who's favorite thing to buy is plane tickets! hahah But seriously, great job guys! :)

    ReplyDelete
  17. Nice work! You guys seriously rock! I might be interested in doing an invitation design soon. Any chance you do photography too? I am just starting the wedding planning process and it's definitely a bit overwhelming when trying to stick to a strict budget!

    ReplyDelete
  18. That is awesome! To even be able to say you paid off almost $2500 in debt is amazing!!! The battle you're going through? COMPLETELY understandable. I don't think you should beat yourselves up about it. You know what you can afford. Just mentally prepare yourselves for what you'll be spending before the trip, so during your trip you're not over-analyzing your spending, creating unnecessary stress on your vacay (because then what would be the point?). You cannot stretch yourselves so thin that you work hard and play hardly (if that makes any sense). Again, I am SO impressed and congratulate you on your success at paying off debt! My son's 2nd birthday is coming up, would love to see what you can do!

    ReplyDelete
  19. Love these posts!! Y'all are kicking debts BUTT! ;) I can def understand why y'all would want to hold off on a vacation, to clear out more debt, BUT you two should def reward yourselves!!

    ReplyDelete
  20. My two cents (I'm not sure if I should say that pun is intended or not!) is that as long as you're not incurring additional credit card debt to go on vacation, you should go ahead and enjoy yourselves! Congrats on paying so much debt off in September, your progress is amazing!

    ReplyDelete
  21. You two are kicking ass and taking names. Seriously, you are both working so hard and are making HUGE progress. I absolutely 100% think you deserve to reward yourselves with a vacation. Do I think you should blow everything you've worked for and accumulate more debt by paying for a vacay? NO! But, you do need to cherish these days of two-ness! Once a little bamino joins your family it will not only be harder to plan a vacation but it will be more expensive. I say set a dollar amount for the entire trip, save that amount in cash, and do it! You've earned it!!!!

    ReplyDelete
  22. I wrote about money on my blog today too! Except my POV is slightly diff, esp regarding 'fun' and 'vacations'. It's always been my philosophy that 'tomorrow' could never come, so you better enjoy life now while you have the chance!

    ReplyDelete
  23. On my way down to comment I saw Kayla's comment---plan accordingly and budget it out and y'all SO DESERVE it! Every month when I see your numbers I get so excited for y'all. Debt B Gone.

    ReplyDelete
  24. Congrats! That's awesome all the hard work you did on your debt.

    ReplyDelete
  25. You guys are awesome!!!! So much hard work...but you can see the light at the end of the tunnel! Woohoo!!

    Ok..you do birthday invitations? I need details! I'll email you.

    ReplyDelete
  26. You two are making awesome strides in debt eliminations...I say get a piggy bank (or an envelope, or whatever) and start putting a little extra in it (not for debt payments) and use that towards your fun...like date nights...or have one set aside and put a little in here and there for when vacation time does come around.
    Another thing I would say about gifts when Christmas time is approaching...is include that in you budget. It sound weird...but assign a certain amount of out each check every week, or however your pay goes and put it to the side for gifts...you're basically saving up for gift buying.
    And about vacations...I say don't skip them. Even though you can still do couples vacations even after baby comes, it will be a lot harder. Definitely enjoy being a twosome while you still are.
    We're struggling to get pregnant, and we are also broke status -one income sucks- but we are still enjoying being able to do whatever pretty much whenever as long as money allows....and I do my best to save up for the fun stuff, or to at least make sure we have the cushion.

    ReplyDelete
  27. I feel like vacations are important! And if you put away a small amount each week/month/paycheck to safe the full amount then go for it! It doesn't even have to be big... it can be a mini vacation in the town you live in, just a weekend away in a nicer hotel.

    ReplyDelete
  28. I'm all for extra incentives- it keeps you from dreading reality! And we are totally with you on the whole "no kids let's PLAY" thing because those moments are going to be extra special someday. There is always something better to do with money, but the vacations and the fun are probably even MORE important because that means you're living the life you're paying for too!

    ReplyDelete
  29. Y'all are doing so great. I think with the holidays coming up you should postpone vacationing into maybe Spring Break time. You will probably do some traveling around the holiday so try and make that time a mini-vacation. Buy gifts will also take away from the debt saving so adding a vacation right now would hinder things a little more. I'm so proud of you two and I always look forward to these posts.

    ReplyDelete
  30. You guys rock! It is a struggle isn't it? You are much more disciplined than we are right now. We are just trying to live in the moment, but that thought of our debt is always there too. It is definitely a fine line that we aren't quite walking at the moment. Oops. Haha.

    ReplyDelete
  31. You guys are totally killing it.

    Sallie and Perkins are pretty cool ;)

    ReplyDelete
  32. Hii! I'm a new reader and I know I'm late to the game commenting here, but what if you guys made a deal with yourselves--as long as you are still paying $2000/month on your debt (which---insanity, i am impressed that you can do that and more!) thennn anything else you are able to save goes into a vacation fund? It's kind of win-win...you are still paying off a boatload of debt each month, and you're even MORE motivated to save because you know those last pennies are going straight into a vaca fund! You definitely deserve it :)

    ReplyDelete

Thanks SO much for taking the time to read and comment on my blog! I read each one and love to respond and chat with you! :)