16 Debt-Free Purchases I Can’t Wait to Make

God-willing, we’re going to be debt-free in a couple of months. Finally. It’s been 4 long years and you don’t know how ready we are to keep our money instead of sending it off to banks every month. We try not to be materialistic but as you can imagine, after 4 years of pinching pennies, there are some things that we are dying to get!

How To Do the Zero-Based Budget and Envelope System (Vlog)

Okay friends, this is the system we used to get out of debt. Blow it up, watch it in HD, and take notes. The point of this budget is to allocate your paycheck ASAP so you don’t spend it on things you don’t need.  If you find yourself in a situation where you need a little extra spending money, make yourself an envelope with a certain dollar amount, or up your “Fun” or “Misc” envelope. And don’t hesitate to leave a comment if you have any questions.  

30 Harsh Realities of Getting Out of Debt

Getting out of debt sucks- if you’re doing it right, that is. Depending on how much debt you have, it should be a painful process. This is a picture of my living room in our first home. At the time, we had two dogs and the carpet became so unbearable we ripped it out. But since we were also getting out of debt, we didn’t have the extra money to replace it. Or to even get a rug. We lived like this for a whole year. It was hard. Literally. Cutting back, going without, and selling everything that isn’t nailed […]