We paid off our van! We are now completely done with Dave Ramsey‘s baby step #2! We got a pretty big tax return this year (we are changing this to hopefully be able to get less next year so that we can save more)! Our tax return was just a little over what we still owed on our van. So after discussing things over with my husband, we decided to go ahead and pay it off. However, we usually pay for certain things out of our tax return (ground beef for the year, gym membership for the year, zoo membership for the year, etc). Our return was not big enough to cover all of these, so we are going to be using the money that would be going for our car payment to pay for these things. I am scared that we may get in the habit of dipping into this money for other things, so after we pay for everything, I am going to automatically have the car payment added to our savings account. So starting next month, we will be starting on baby step #3: three to six months expenses in savings! I hope this baby step goes faster than I think it will!

Check out this good article from Jon Acuff!

What baby step are you on?