Tiny Snowflakes Eventually Make Snowballs

I've mentioned in previous posts that Rick and I have made a commitment to get out of debt, except for our house (that too is an eventual goal, but just not pressing at the moment.)  

We have restructured our budget for 2009 with very intentional goals when it comes to debt reduction.

This theme of frugal living and getting out of debt is running rampant among my friends, as well as in the blogging community.  One particular blogger is charting her successes on her blog, getting down to the nitty gritty.  I like the idea of accountability and visualization, so I have started a ticker on the side of my blog to chart our progress.  She gives specific numbers, I'm providing only percentages.

I don't know if it was her, or someone else, but I heard it said that each dollar saved to put toward debt is a snowflake.  Each snowflake by itself doesn't amount to much.  But when lots of individual snowflakes are added together, they make a snowball.  And if you start rolling a snowball down a hill, it gets bigger and faster.  So, I am going to refer to each dollar saved out of our budget, and used toward debt reduction, as snowflakes.  I will likely give you actual numbers so as to feel a greater sense of accomplishment.  I'll just do one post at the end of the month letting you know how we did.  This really won't kick in much until February or March, but we are taking every snowflake as it comes until then.

If you would like to join me in this venture, and want some accountability and encouragement, just let me know!!  If you would rather do it privately, then I pray you have success this year!

Until then, I'll be putting on my winter clothes getting ready for the snowball fight of my life.