Frugal Friday: How to Live Without Credit Cards

Once upon a time I thought it was impossible to live without credit cards. Even if I had the funds “to pay it off every month,” it was the convenience I couldn’t live without. Or so I thought. Our month went like this: spend, spend, spend. Get the bill. Pay it with our monthly income, […]

Frugal Friday: Sick of Debt? Better Late than Never (A Guest Post)

Yesterday, I was listening to a favorite money radio program and all the old emotions of our debt-filled life came back to me. It was a rather surreal moment. Today, three years and $18,000 of debt payments later, I am amazed at how good God has been to us. We were always “frugal,” yet somehow we found ourselves living beyond our means. We can kick ourselves for having got there in the first place. But as you’ll see in today’s guest post, better late than never.

Frugal Friday: My Biggest Debt Paid

This morning my five year old son woke up with a plan to shop at Target. I don’t know where it came from. I hadn’t even mentioned the great sale on eggs that I planned to take advantage of. No, on his own accord, he was a man on a mission. There was a Playmobil […]

Why I Want to Live Debt Free

31 Days of Organizing for a Better 2010: Pay Off Debt

Almost three years ago my husband and I were convicted to stop using credit and to pay off our debts. Thanks to God, Dave Ramsey, and some hard work, we were able to do just that. Today we don’t spend money we don’t have and except for a mortgage on a rental property, we have […]

Why You Should Have a Budget

31 Days of Organizing for a Better 2010: Create a Budget

Most people have heard that they should have a budget if they’re going to manage their money wisely. But, knowing WHAT to do is entirely separate from knowing HOW to do it or even WHY to do it. To be a successful adult, I think we need to know all three. Today Mandi at Organizing […]

Frugal Friday: Get That SnowBall Rolling

If you’re just tuning in, this is part of the continuing saga of how my husband and I got out of debt. You can go back to the beginning if you missed something. As I recount our story, please remember that this is how we did it. I believe that this will work for many […]

Frugal Friday: Beating Debt with An Emergency Fund

Unbelievable, but it’s been two months since I started recounting Our Get-Out-Of-Debt Story. If you missed it, start at the beginning. Special thanks go to The Happy Housewife and Freebies4Mom for guest posting these last two weeks. It was wonderful to have them share their money-saving wisdom. Now, where was I? Ok, you’re in debt? […]

Frugal Friday: Get Out of Debt By Increasing Your Income

The last couple weeks I’ve shared bits and pieces of what FishPapa and I did to get out of debt. If you missed the first few parts, you can start at the beginning. But, basically, it went something like this: 1. Lose the credit cards. (As in, stop using them.) 2. Listen to the Dave […]