Hello friends, this is a first post in a new section on my blog called “Taste Test” which is essentially where I plan to try recipes and report on how they turned out. Each recipe will be found on the internet or shared by one of you. I often tell my husband, “Pinterest feeds us.” So true. Almost every new recipe I try is found originally on Pinterest. “Sun dried tomato and mushroom pasta in a garlic and basil sauce” is the recipe I’m sharing today, and it is from Julia’s Album, a great food blog with lots of yummy recipes. [Read more…]
We’re finally to the part you’ve all been waiting for: making payments. Now as fun as that may sound, when you start writing checks to pay your loans, it can be mildly terrifying. That is sort of what happened with Ryan and me last September. You see, Ryan and I got married and received a lot of love from friends in the form of gifts and money. We also each had small “fallback” savings accounts. We had reached our summer goal of saving an extra $1000 to put toward balancing our budgets while we spent Sept-Dec in college classes more than work. [Read more…]
I am overwhelmed by the comments and encouragement I have received from friends and family as well as new friends who have been reading these posts. Thank you for your encouragement. I will keep writing!
The step I’m talking about today is very intimidating for some people. Sure, everybody would like to have a larger income, but doesn’t that mean getting a raise or a better job? Well, those are ways to increase your income, but they are a little more drastic than what I’m going to talk about right now. (Although, I’ve known plenty of people that have paid off their debt by delivering pizzas or being a server at a restaurant on the weekends.)
Analyze Your Skills
When Ryan and I first got married, we weren’t making much. If you’d like to see a detailed budget, check out this post. We realized that we needed some additional income if we were going to just make monthly expenses. We really had to think about our skill sets, and I encourage you to do the same. Thinking about what we could do that people would pay to have done, we came up with this list… [Read more…]
This post is intended to follow Debt Recovery Step Two: Perspective and Budgeting. If you haven’t read that yet, be sure to check it out!
Hopefully, by now, you’ve sat down and written out your necessary expenses on paper. It’s tough, but don’t cry. We can figure this out. When Ryan and I first sat down to make a budget, we weren’t even married yet, but we knew it would be tight when we realized how little we would be able to work and be in school. Out came the spreadsheets though and we made cuts and crunched numbers to figure out how to make ends meet. Honestly, I look back at those times with fondness remembering how determined we were that being married was more important than having any luxuries (and by luxury I mean shampoo or pop). [Read more…]
Okay, we’ve made it through Step One: Admitting You Have a Problem. Now it’s time to really get a grasp on what we’re dealing with and start putting things in perspective. This is a time for overall attitude as well as cold hard honest numbers.Both heart and mind need to be on board with the commitment to get out of debt. It’s always helped me to sort of look at budgeting as a game. [Read more…]
What I’m about to share is not overly profound, and it’s certainly not my own. These words of wisdom were given to me by one of my college professors as I sat in his office bawling my eyes out, overwhelmed by the stresses and pressures of life, school, family, and relationships. These thoughts never get old to me. I’ve shared them time and time again, and I’m hoping they can encourage you too. This is grab a cup of coffee, chat with a friend kind of wisdom. Unfortunately, that wasn’t exactly what was happening when I heard these words. I had already hit a breaking point. [Read more…]
Bet you’ve never heard that title before. I am by no means qualified to be a financial advisor. I can really only share what I’ve read and my experiences with paying off debt. However, the more I talk to friends about their financial issues, the more I realize that so many people have not yet admitted that they have a problem.
American society tends to view debt as inevitable, necessary, and totally normal. While it is true that most Americans have debt, that doesn’t mean that we should just accept debt with no plan of attack. I went into debt in order to get a college education. [Read more…]
Let me just say that my full love story would take pages, but I’ll share the abbreviated version about how I became “Mrs. B.”
I met my husband, Ryan, in the spring of 2009 in a driver’s education course (oh yes, how romantic). At that time, I was a goody-two-shoes home-schooled pastor’s daughter and he was a nice, but not so conservative (and unsaved) public school kid. Apparently, he thought I was pretty. Check out this photo to catch a glimpse of my irresistible 14-year-old self. [Read more…]
I look forward to fourth of July every year. Independence Day is usually a time with friends, family, food, and fireworks (oh baby, check out that accidental alliteration). It’s a time to relax and enjoy celebrating our country. However, when I moved to the South I noticed more and more that people tend to hold allegiance to their country every bit as close to their hearts as allegiance to their God. This is not to say Northerners don’t have this issue too, but I think patriotism runs deeper in this neck of the woods.
For years now I’ve felt a little uneasy as we discuss the direction America is headed, the corruption in our government, and the blatant sin in our society. We talk about how America has fallen away from her God and allowed things such as abortion to be legal and commonplace. America is a great country with more freedom and opportunities than most of the rest of the world.
Yet, I start to feel uneasy when we get up in church to pledge our allegiance to the flag or sing our national anthem. Before you get your patriotic britches in a wad, let me tell you my concerns. [Read more…]
I feel like debt is very personal. In order to talk about my debt, you have to understand me a little bit first. I am a recent college graduate who got married between my junior and senior years. Your brain is saying, “Who in their right mind gets married while they’re in college??” Me, that’s who, and I’m not sure that I have ever really been in my “right mind.” Just kidding. Anyway, my high school sweetheart and I got hitched the summer before senior year and had a total of about $23,500 in school debt give or take a few hundred dollars. Yikes!
My husband and I knew that getting out of debt was very important, but I didn’t realize how important until I started reading. First, I read books by Christian financial advisors like Dave Ramsey and Larry Burkett. Actually, one of the Larry Burkett books was a requirement in our marriage counseling, and I’m SO glad that was the case. As I started drinking the metaphorical “get-out-of-debt” koolaid, I began reading blog posts and articles about couples who had plunged deep into debt and were successful in recovery. [Read more…]