I have been craving for years to live more simply. The hubs and I got married at age 31 and 30
and we combined a full three bedroom and two bedroom homes. We had a lot of stuff. A lot of clutter. A lot of doubles. Over time we have sold, gave away and thrown
out a lot of things, and yet we still have a full home!! We have been married for 4 ½ years and we
still are working on eliminating stuff.
Along with craving simplicity, I crave to be 100% debt
free. We have been VERY blessed, and
entered marriage 4 ½ years ago with no debt other than our home. Our student loans were paid off, our cars
were paid off and we had no consumer debt.
As Dave Ramsey would call it, we are very “weird”. This is one of the
areas that brought the hubs and I together, our strict views on money. I am a thrifty tightwad and the hubs was a
big spender with the latest gadgets with no savings to show for his good job. He willingly gave up his spending habits to
help keep us in the black.
We both yearn to be 100% debt free, with our only debts
being our first home which we currently rent out and our current home, which we
are moving out of this week and will be renting out as well. Both are upside down at the moment and I
anxiously hover on Zillow checking out the values of our homes to see if there
is a glimmer of hope to sell.
Earlier this year we decided to get crazy and buckle down
and get serious about paying off our first home (which at the moment we are
going to keep as an investment property).
We got specific, wrote and followed a budget and prayed every step of
the way asking for guidance.
Six months ago just as we were getting things rolling and
started making a small dent, the hubster lost his job. I quit my job after having Lil’Miss three
years prior so we were depending on his income to provide. Since we have scaled back drastically on
spending, and have food storage, and already had our bills on budget pay we knew
exactly what it cost us to get by. We
were blessed with an unemployment paycheck and it was just enough to pay our
mortgage and most of our utilities. We
managed to only dip into our savings a couple of hundred dollars a month on
average for every day expenses.
Even being blessed it still required a lot of
discipline. No extra trips in the car,
unless it was necessary to save on gas.
No splurges. No vacations. No eating out, except for a few outings and
eating off the dollar menu. For me it
has been a “fun” adventure of seeing what else I can find in the house that I
can sell for a little quick cash. We had
four garage sells in the duration and made around $1500 between all of them,
which has been helpful in keeping up with things.
Recently the hubs got a temp job that will last through
March. After that we are back to
uncertainty. So if you know anyone out
there that is looking to hire a CPA full time please let me know, cause we are
So my plans are to share with you our journey of converting
to a simpler life. I am going to be
bold, and vulnerable. Hopefully I can be
an inspiration to help you live a simpler life and encourage you to become 100%
debt free. With a few small steps and a
lot of faith, I believe it is possible, join me on my journey!
I love to hear from you! Please comment or share your story!!