Money & Frugality

Five Tips to Saving Money | Ways We’ve Saved

We've been debt-free for about eight months now - we paid off about $21,000 of debt in about 21 months, and we currently have $16,000 total in our savings accounts.  Here are a few ways we saved money to make this happen: Buy used.  I love thrift shops!  We buy anything from clothing and shoes… Continue reading Five Tips to Saving Money | Ways We’ve Saved

Money & Frugality

Our Money Makeover Challenge, Part 3: Our Bay Step 3 Emergency Fund is Complete!

We saved a total of $10,500 toward our emergency fund (three months of living expenses) in about seven months! We've been following Dave Ramsey's Seven Baby Steps to Financial Peace for the past almost-three years.  Baby step one is to save a starter emergency fund of $1,000, which we officially completed last spring.  Baby step… Continue reading Our Money Makeover Challenge, Part 3: Our Bay Step 3 Emergency Fund is Complete!

Money & Frugality

Our Money Makeover Challenge, Part 2: We’re Debt Free!

Our journey as a one-then-two-income family of five to debt freedom and financial peace started almost two years ago.  We had just relocated to a new area about a year prior (November 2016) for Ashton's new job as an aircraft mechanic.  The new job paid less by about a $2 per hour, and the cost… Continue reading Our Money Makeover Challenge, Part 2: We’re Debt Free!

Money & Frugality

Meal Plan to Save Time & Money | My First Week of eMeals! (not sponsored)

I've always wanted to meal plan (and prep, too, but that's another story) because it supposedly saves you time and money.  But, I've always struggled with creativity in the kitchen.  I heard about eMeals from Dave Ramsey on YouTube several months ago and thought that's exactly what I need: direction. I finally registered for eMeals,… Continue reading Meal Plan to Save Time & Money | My First Week of eMeals! (not sponsored)

Money & Frugality

Our Money Makeover Challenge, Part 1: Introduction and Plan

Introduction We started Dave Ramsey's Total Money Makeover challenge! We've "attempted" Mr. Ramsey's financial plan before, but it's been a struggle.  We've especially had issues with a) compromise, especially in regards to our views about debt; b) $0-based budgeting, where you budget every dollar you earn every month; and c) the first baby step, which… Continue reading Our Money Makeover Challenge, Part 1: Introduction and Plan