Hello everyone! We are the Oleson’s. We were recently married, so we have been going through some changes. Once we settled into one house (and the other one sold!), we needed to figure out our finances and how to combine them. After a lot of discussion on how we were going to cut the debt, we asked Dave Ramsey. We then found out Dave says no a lot. We came up with a plan and put it into action, but we still needed some help. We lucked out because CommunityAmerica was there to help us. We met with our coach Stephanie and she pointed out some ways that we could cut our expenses even more (thanks Time Warner and level pay!), as well as some long term financial ideas that we have been looking at.

Right now we are trying to decide if it would be better to pay the house off in a few years or to really add to our retirement. That is, of course, after we pay off all the credit cards, student loans, and the car loan. To sum up the first couple of months, living on a budget really isn’t fun. Shannon’s Sephora and my Lowe’s quit being regular shopping trips, not to mention all the eating out and the disappearing money (that’s when you know you bought something and can’t remember what it was.) “Dave say’s no” is often jokingly said, but really the meaning is there - do we really need this or can we get by without it. Thanks for reading!