This video was hard for me to film. I tried several times and finally had to say... good enough. While this year's debt confession is not what I had hoped it would be, I am still so proud in what we have accomplished while weathering a big storm!

If our debt goes up this does not get added to the total debt we have paid. We only take our starting debt total in 2020 and subtract our current total; thus, we have actually paid over $200,000 in debt in the past 4 years due to different vehicles and credit cards.

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#debtconfession #debtfreegoals #savings

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ALL MY SAVINGS CHALLENGES:

April Binder- @JanellRaeBudgets
9. Friend-chip Goals @lizandless
10. Sun @stefsonabudget

Christmas Cuties Binder - @CraftCoBudgets

Snowflake Christmas Binder - @JanellRaeBudgets
1. Puppy Snowflakes -Rami @budgetpaparazzi
2. OCD Christmas -Dani @CraftCoBudgets
3. Hot Chocolate -Tracy @GoldenGirlBudgets
4. Merry Flocking Christmas- Wren @MischiefManagedBudgets
5. Snowman- Janell @JanellRaeBudgets
6. Mystery Savings- Kim @StarBudgets
7. Fir Sure -Liz @lizandless
8. Merry Christmas- Yazmine @OfficialBudgets
9. Fred Jr.- Shannon @307designstudio
10. Holiday Cheer -Champagne @ChampagnesCorner
11. Double Sided Christmas- Judy @savewithjudy
12. Gingerbread Cutouts- Wren @MischiefManagedBudgets

Gemini "ME" Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
All of the challenges in this binder are from my Etsy shop
https://www.etsy.com/shop/SnowGardene...

Red Savings Challenge Binder
Year of the Dragon @JanellRaeBudgets
Sushi Did @lizandless
ALL BUX- @reinventingrene

Blue Glitter "Full Size" Savings Challenge Binder
The Life of a Pig *
Pop It! *
Life is a Beach *
Shut the Box- @reinventingrene
2024- @TheALMOSTOrganizedOwl

*= Use the link above for my Etsy store to find these products

Shiny Silver Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
The Great Aussie Scratch Off- @CraftCoBudgets
Suitcases- Plan to Plan Sticker Co.

Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was ........
* The above numbers include our mortgage

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SnowGardener307 aka Marlene
PO Box 281
Pinedale, WY 82941

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DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.