October 2026 Budget Close-Out || Debt & Financial Goals Update

Hello and welcome to From Debt to Dreams! I’m so glad that you found my little corner of the internet! All of the charts I use to help us track our financial progress are from https://www.debtfreecharts.com ***************************************************************************** About Me: -My name is Brandy and I am 40 years old. -My husband and I work full time. He is a social worker and I am a department coordinator. -We have two kids, ages 10 & 7. -Our total debt as of October 31, 2026 (including our mortgage): $411,321.03 -The current focused financial goal: Save $5,025 for our Emergency Fund – Here is our plan to save money and get out of debt (Plan restarted on 5/16/2025) - Step One: Save $5,025 in an Emergency Fund. Step Two: Pay off Debt!! Here are our current debt balances: My Federal Student Loan: $19,870.40 Debt Consolidation Loan: $58,659.19 Jason’s Federal Student Loan: $64,345.43 Mortgage: $268,446.01 Total Debt Balance: $411,321.03 ***************************************************************************** DISCLAIMER: I am not a financial advisor. I am simply sharing my family’s financial journey to become debt-free and find margin in our budget while using what we have. If you need financial help, please consult a professional financial advisor. ❤️