I was always the oddball in college. When all my friends were out buying new jeans and cute shoes, I was studying or working. There was no way I could afford all of that!
I always wondered how people did it. The new car, the designer jeans, the newest and coolest hair products. As it turns out, there was a hefty amount of credit cards and debt involved.
Now, Josh and I are debt free. We don't owe money for anything except our daily expenses like food, rent, cell phones, insurance, etc. It's really a freeing thing. It allows us to look towards investing and retirement when most of our peers are worried about paying off college loans.
My financial fitness score was 76 points, which is just about right on the money for us. We've come a long way, but we still have a ways to go before we get where we want to be. Admittedly, I don't know anything about stocks and investments, and I can't wait to learn!
What do we splurge on? Not much. Like I said, we're out of debt, but we have some major financial goals that we want to hit ASAP! The two things that we've added more money to in our budget are food and entertainment. We rarely went out and spent money on entertainment before, and kept to a very strict food budget. Recently, we added $20 per week to our food budget (hello fresher foods!) and $10 per week to our entertainment budget, which we use for date nights!
We. Love. Date. Nights.
It keeps our marriage alive and fun!