not snowballs, just snowflakes. for now

Dave Ramsey has this whole snowball thing, which I love.
Getting JP to love and embrace it is a whole different story.

So here's what I'm doing: Every other paycheck I throw an extra $165 towards the truck loan. By adding $165 to the "outgoing" money, it balances that paycheck with the other one. The "outgo" on both pay periods is exactly the same. That other paycheck, by the way, is the one that makes the "real" truck payment, amount of $325. It's not huge, not a snowball, just a nice sized snowflake.

Every other pay period, I write a check out to the school system here. It's for the lunch program for our 3 kids. Usually, we take a break from that in the summer. They now have an online payment option, so I don't have to send a check to school with a kid. That also means I can keep adding to the family lunch account all summer. The benefit of this is twofold: First, we won't be funking with the balance of life, and won't have that rude awakening in the fall when I have to start throwing money to feed my kids again. Second benefit: as my kids graduate (first one is gone in 2 months!) the amount it takes to feed them will decrease. By the time the last two (ages 14 & 15 now) get to be Seniors, we may be so far ahead that we can stop paying for lunches before they're done eating lunches.
It's a small snowflake that will get bigger as it rolls down the hill, I guess.

Next snowflake does require some sacrifice, but I think I can do it. Every pay period I tuck away 2 $20's to cover my bowling league nights, which are every Thursday. My league ends in about 4 weeks. After that, I will continue the 2 $20 tuck. And next fall, when bowling league starts up, I will decline. But continue to tuck. $40 every payday. $80 per month ( except those months that have 2 pay periods, of course) will add up nicely, and go back to the top of this post, to the truck.
The balance on the truck is just under 5K, so between the balancing $165, the $80 bowling money and the regular $325 monthly payment, it should be gone quick.

And THAT is when the real snowballs will start being thrown about....I'm guessing within a year.
And THAT is probably when I'll put up another post! I'm so bad!