17 Penguin financial facts

1) We have too much debt.
2) Divorce isn't as expensive as people think...but it is costing me/now us.
3) Our van is worthless before it's paid off.
4) The interest rate on one of my credit cards is high astronomical crazy ...there aren't words.
5) We know how to budget, we just can't seem to follow it.
6) Student loans are not always worth it.
7) Mr. Penguin was less 'poor' when he was working a minimum wage job than he is now - making more than he ever has.
8) Looking around our house...I'm not sure where we spent all our credit.  So was it worth it?
9) Some debt, although a pain to repay, was totally worth it.
10) About 1/3 of our income goes towards debt.
11) Our grocery expense should NOT be that high...and I'm ashamed at the average our financial system spat out (and that doesn't even include dining out!!).
12) We have almost paid off my parents, the bedroom furniture and the van.
13) We paid for our wedding in full ($10,000 with honeymoon), but it hurt us in other areas.
14) Our need desire to go home to the ocean 3-4 times a year has caused some financial strain.  Is it worth it?
15) I am the worst offender when it comes to spending.
16) Our new budget will be strict.
17) Our love for each other, our family and our life will help us join together to make our plan work.  We are working on the life we want -- now and in the future.  <3

*hugs*