No Goats…again…

Guys, I could cry. And I hate crying, it's gross... Snot everywhere, ugly cry face... Eew. But really. I don't know how it happened that we had such a huge oversight, but we had hammered down resolve to pay off debt and get out from under car payments and "emergency use only credit cards." And … Continue reading No Goats…again…

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How we eliminated $13k of debt in 3 weeks

Y'all, (I say y'all now. I've been in Tennessee for 4 years, I'm allowed) if it weren't for the children waking at 10:30PM 11:15PM, 12:45AM, and 4:00AM, I would have slept more soundly than I have in a long time. Why? Because we've finally fully committed to cleaning up our financial lives and gotten serious … Continue reading How we eliminated $13k of debt in 3 weeks

Conviction: Financial Slavery I’ve Been Living

I recently was convicted by some things in my financial life. All my adult life, I've been told that there is such a thing as "good debt". This is the kind of debt that boosts your credit score. For example, I remember being about 20 years old and going in to my bank to see … Continue reading Conviction: Financial Slavery I’ve Been Living

Budgets, Babies, and Back seats

I hate budgeting. I'm good at formulating budgets. I'm even diligent in saving and tithing each month. But I'm not good at change, unexpected expenses, or STAYING WITHIN my budget. Now, that said, I've taken Dave Ramsey's financial Peace class and I've tried the cash  envelope method. All that does to me is say, "oh, … Continue reading Budgets, Babies, and Back seats