I think the best gift anyone could get is to be debt-free… at least it would be for me! Don’t get me wrong… Tyler and I aren’t struggling financially but we really want to get out of debt now before we’re stuck with it for too long.

I find paying bills kind of fun actually… it’s not dreadful as I always thought it was when I was growing up seeing my mom pay bills.

I have to start paying for my college loan soon so tonight Tyler and I sat down and calculated how much money we’re in debt and created a budget to follow to actually save money every month. We want to start saving money to put in our emergency fund and torwards our retirement savings.

I absolutely love this website, The Nest, where I can go to look for ideas and to receive tips! We used their Budgeter tool to figure out how much we’d be saving.

Saving money begins now!