Debt Update: March 2018

Debt Paid Last Month: $1034

Hello Everyone,

Today I thought I’d keep myself open and accountable. My husband and I owe more money than either of us really want to admit to others. It’s embarrassing the decisions we made that lead us to this point (most of them of my own fault). So this is a post of both determination and motivation. Rather than hide it from the world and try to ignore it, I want to put it in the limelight and prove everyone wrong about it taking a lifetime to pay off student loans and other debts.

So today is our first monthly review and goal for this month! February was a rough debt payoff month for us. We had an unexpected medical expense/debt come up and we decided that instead of delving into the emergency fund we would save that for a true emergency where we didn’t have the money and take from our other funds to pay it off. Unfortunately part of that had to come from our extra money to pay off debt.

Another decision that had our expenses a bit higher this month was to meet with a tax accountant and make the correct decisions for our businesses. First, we wanted to meet with an accountant for our personal taxes anyways. It just is less stressful and well worth the money spent to have it done right! Secondly, we knew that by starting Ogden Customs and reviving this blog as potential avenues of revenue we needed to talk about liabilities and incorporating. We decided to create our umbrella LLC Ogden Customs to go ahead and be able to properly monetize these blogs! Long term it was the smart move but it did cost us a hundred dollars to do properly.

That being said while we did have a few setbacks, overall we saw an increase in our income as well! Now that I was working the full month vs having a bit of a gap after graduating we saw a nice increase from my paychecks. Also Avery has been managing an hour or two overtime here and there which adds up quickly! I’m also on the hunt for a different job than waitressing and have high hopes.

All of that being said here is what we are hoping for the next month:

We want to have the truck paid off before June when my loans kick in! So to be on task to do that we want to pay over a $1000 this month (which includes the normal payment).

So make sure to check back and see how we did in our post next month!

How is your debt payoff and financial goals coming for you?

~ Naomi

February Review & March Goals 2017


Hello everyone!

Avery and I have some goals that go right along with this blog. We plan to monetize this blog to make it a side income and work on paying off debt, like my student loans. This means we have to treat this blog right and make some goals! Today I wanted to review our first month and some things goals we have to make it better.

February Review

  • Started blog!
  • Created Instagram

  • Posted Introduction
  • Reshaped about us and contact pages

Some big things that haven’t happened yet:

  • Pinterest
  • Twitter or Facebook
  • Regular blog post schedule
  • Monetize

Stats:

Unique Vistors: 40

WordPress followers: 4

Instagram followers: 11

Our thoughts on February

Honestly, Avery and I couldn’t have been more excited to make the connections that we did. These stats may seem small to some, but it was a huge start for us. We are really happy with how people have been reacting to us and hope we can continue to refine our work!

We did have some major issues occur. I had a heavy college load and Avery had an even heavier work load this last month. During this time we have both learned that we need to treat this like the business we want and the blog we love. So that means setting some goals for ourselves to just keep improving on consistency. Lucky for me my class load lightens after spring break significantly!

I also noticed I was holding myself back by overthinking it. Reviewing pre-written posts and refining them is great, but at some point content has the hit the webpage or it is pointless. This month I’m hoping to be more confident in my posts and get them out sooner!

We have also been taking a lot of time to think about how we want to monetize. We don’t want a billion annoying ads on our page because we don’t like blogs that have that either. Currently we are leaning towards starting with affiliate marketing and maybe one or two small advertisements. This has been a big part of this month just simply reading into terms and conditions and thinking about what we want to give our audience.

March Goals 

  • Post on our blog every Tuesday and Friday!
  • Create our Pinterest page
    • Read about bloggers Pinterest strategies
  • Post on Instagram 3x a week

Stat goals:

Unique Vistors: 250

WordPress followers: 25

Instagram followers: 100

Our thoughts on March’s Goals

Stressing consistency is the number one objective this month. We are committing to post 2x a week for now with the occasional bonus posts. Everyone wants to increase their following and we are hoping by being more consistent we can!

We hope that by the end of March we will have smashed these goals. Check back in April to see how we did!

Naomi & Avery