Another Update!

Just wanted to let you all know what is happening in the Heilenman household. Brad and I have decided to get out of debt and are using Dave Ramsey's Total Money Makeover to do it. It is based on biblical teachings and many of our friends are doing it or have done it.

Because of this, we are trying to sell our van as well as some other stuff we aren't using. We have made a budget based solely on Brad's paycheck. Anything I bring in goes straight to the debt. If everything works the way we want it to, we should be debt free (except the 1st mortgage) within two years. That is wiping out around $74,000 in 24 months. It will not be easy. We are making a lot of sacrifices (like no cable, no vacations, and such) but it is for the greater good.

Also, no word from Philly, but the arbitration went through and it turns out that for the next 3 years, Brad will receive a 3% raise on his base salary and a one time 8% raise next June. We hope this will just get us out of debt sooner.