Is it really almost the end of July? I have no idea how that happened. The summer has been crazy with two extra kids being here during the day and I am very happy when the end of the day comes around each day.

Money wise, things have been very weird. I had planned on having a bunch of additional income this summer since I would be having the daycare kids more hours with school being out. However, their hours have been much fewer than I anticipated and it has but my income back significantly. Then we got hit with a large medical bill when the payment plan we had worked out was suddenly revoked (long story) and we were told to pay it within the next 3 months. But we were able to add it to the snowball and get it rolling again. The best news is that June was a 3 paycheck month of my husband (paid every 2 weeks) and we sent that extra paycheck directly to the credit card as planned, even though we knew we were going to be tight on cash for July & August. Instead of frittering away the money we did what we had planned and took a HUGE bite out of the credit card we are paying down. That big payment brought the balance down to half of what we started with in January! Victory! Happy dance!

So as of the end of July (six months of progress) we have paid off $8900 in debt while not accruing any more. Yippee! We are over the moon excited. We still have a long way to go but we are starting to breathe again after a very long time.