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6 Ways To Drastically Cut Your Food Budget And How We Spent $1.25 A Meal

Updated  // Erin // 4 Comments

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Our personal challenge for the month of May was to not eat out, and we were successful at doing just that!  It wasn’t always easy, but it was very rewarding both fiscally and personally.  We decided to allocate ZERO dollars for eating out and $300 for groceries.  Both were dramatic shifts to how we had …

Why I Stepped Away from my Career to be a Stay at Home Mom

Updated  // Erin // 3 Comments

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Staying at home full time is something I have desired for a very long time, even prior to having children. I really love being a mom and it’s one of my truest passions. It started young — I remember reading family and parenting magazines as a kid and making mental notes for the future. I …

When Shopping, Don’t Look for Stuff to Buy, Buy Stuff You Need

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When Erin and I started our debt payoff our attitude about shopping changed for the better and it was a big reason we were able to stay within our budget and put as much money as we did towards our debt.  The big difference?  It was that we bought stuff we needed rather than going …

No Eating Out for a Month – Personal Challenge

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For personal challenge #3 we are cutting out eating out for the month May.  One of the reasons why we are looking forward to Erin staying at home is that it will be much easier for us to cook every night and in turn save money.  Part of making our budget work on one income …

Read 15 Minutes a Day – Personal Challenge – Follow Up

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This last month we set a goal to read 15 minutes every day for the month of April.  Reading is something that both of us want to do more often but never seem to get around to it on a consistent basis.  The intention was to just force ourselves to do it.  In that respect, …

How We Took Action so My Wife Could Stay at Home

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My wife and I recently hit a milestone where she finished working at her job and will be staying at home with our son.  This has been something we have been working towards for a little over 5 years and was a big reason why we decided to first pay off our $107K in debt.  …

Yes, You need a Budget

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It seems to be very popular to write about how a budget isn’t necessary because “they don’t work” or “who really sticks to them?”  Well, sorry to say, yes, you need a budget and no, those aren’t valid excuses for not doing one. I honestly feel that if you want to have true financial success …

Do You Really Want to Die with Your Debt?

Updated  // Kevin@DebtFreeHappens // 2 Comments

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THE STATISTICS According to a recent Fox Business article 73% of people have outstanding debt when they die.  They have an average of $62K of debt which including mortgage debt.  If you remove the mortgage debt then there is still is an average balance of almost $13K.  That is insane and honestly really depressing! This …

Read 15 Minutes a Day – Personal Challenge

Updated  // Kevin@DebtFreeHappens // 2 Comments

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A Little Background…. I love books.  I love books so much that every once in a while I actually read a book.  My (our) book collection, which is not minimal in any way, shape or form is something I am really proud of.  For a long time, I only focused on Architecture books (I’m an …

How to Use Your Money Towards Debt

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So we are all in different spots when starting your debt pay off journey.  Some have absolutely no liquid money available to throw at their debt and others have thousands of dollars to start out with yet still keep debt around.  I’ll break down how I would approach the various scenarios towards using that money …