2026 Budget Update || How will we reach our financial goals in the new year?

Hello and welcome to From Debt to Dreams! I’m so thankful that you have joined me in my little corner of the internet! Today, I'm going to show you what changes will be made to this channel in 2026. I also go over all of my cash envelopes and how I will be funding some of our financial goals.

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About Me:
-My name is Brandy and I am 39 years old.
-My husband and I work full time. He is a social worker and I am a department coordinator.
-We have two kids under the age of 10.
-Our total debt as of December 4, 2025 (including our mortgage): $423,805.22
-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. Current Balance: $1,073.19
Step Two: Pay off Debt!!
Here are our current debt balances:
Jason’s Federal Student Loan 1: $4,447.76
Jason’s Federal Student Loan 2: $9,820.26
Jason’s Federal Student Loan 3: $10,355.89
Jason’s Federal Student Loan 4: $10,355.89
Jason’s Federal Student Loan 5: $15,216.90
Jason’s Federal Student Loan 6: $15,175.02
My Federal Student Loan: $21,676.85
Debt Consolidation Loan: $61,919.38
Mortgage: $274,837.27
Total Debt Balance: $423,805.22
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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.
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