What If We Hadn’t Read The Total Money Makeover?

2011: a sense that we needed to change In 2011, it was clear that our circumstances had changed for the better. After a destabilizing decade of career upheaval and financial distress, DH had started a business, and two years in, it was succeeding! What a profound and welcome relief! We could go back to normal. …

Bewildering Financial Leap from Debtor to Investor

DH = Dear Husband For the first time in 6 years of blogging about debt-reduction, I’ve hit a wall. I have had several ideas for posts in the last few weeks, but they just turned into unfinished drafts. DH and I are striding to the finish line of our journey out of debt. In  September, …

Getting out of Debt Isn’t Only about Money

Our story is featured in Debt.com this week 🙂  In May of 2012, Ruth from Prudence Debt-Free received a Dave Ramsey audio book from a friend. She listened while driving to and from work. At the time, she and her husband were recovering from his job loss and the financial upheaval it brought. But they recovered. He …

Journey out of Debt: Spiritual Bookends

DH = Dear Husband Our journey out of debt, which began in June of 2012 with $257,000 owed, is almost certainly going to end in September of 2018. Debt reduction is about far more than money. It interweaves with every facet of life, including the spiritual. I’m cautious about venturing into the topic of faith …

Debt, Diet, Drink: The “Why?” of Change

In last week’s post, I featured Kayt. Two years ago, Kayt: started her journey to debt-freedom switched to a plant-based diet (and started to take up running) adopted a lifestyle of sobriety So many of us struggle to make changes in our lives. I wanted to know Kayt’s secret. Many people say they want to change, …

Debt Reduction, Veganism & Sobriety

The year of their marriage, Kayt and her husband made 3 huge lifestyle changes.  I received a really interesting email a couple of weeks ago. “Hey there! I just stumbled onto your blog when I pessimistically googled ‘debt-free vegans’. We too are ‘plant-powered’, living on a budget and listing to Dave Ramsey’s plan to get …

The Awkward Question of Money Talks: Part 2

DH = dear husband “Every comment expressed disagreement with me” Two weeks ago, I wrote about when and how to talk with friends who are clearly sabotaging their finances. Every single comment from readers expressed some form of (very respectful) disagreement with me. I really appreciated the honesty! New (and unexpected) perceptions I’m wrestling with …

Financially Parenting Strong-Willed Teens

I wrote this post for Brian at Debt Discipline as part of his series on financial literacy. I wasn’t a “teachable” teen Sometimes I read parenting articles that offer pointers on teaching teens about financial management – and I find myself shaking my head. I’m not convinced that good financial management can be “taught” in …

The Awkward Question of Money Talks: Part 1

(I’m adding this note – as well as “Part 1” in the title – a week later just to say that the comments made by readers helped me to change my thoughts on this issue. Stay tuned for Part 2.) Post by Tonya at Budget & the Beach I read a post by Tonya at …

No Emotional Spending? Have a Heart!

“hungover” I thought I was going to get through this winter without a significant sink into the winter blues. But alas … In a recent post, Revanche from A Gai Shan Life wrote, “The truth is I’m hungover from last year.” I had a moment of recognition when I read those words – because I …