Start Your Budget at Zero

Have you ever seen a news article shared or story featured where a family was able to keep their expenses low, like really low… surprisingly low. And then you read the comments. It’s funny for me to read people’s reactions. They generally look something like this. “I would hate to live that way.” “That sound like […]

Paying Cash for Our House is Only Half the Story

Growing up, I loved listening to Paul Harvey’s, The Rest of the Story. He has an amazing gift for taking a great story, then finding the bigger story behind the headline. We paid cash for our first home. But this is the rest of the story. Because after 10 years of pinching pennies it was one […]

How to pay cash for your first home

May Spending: manure, growing food, and hitting the gym

early retirement budget with big family

Farmers Market and Manure Planting our garden might be my very favorite weekend of the year! And buying plants from the farmers market is ABSOLUTLY my favorite way to spend money. I generally dislike shopping, and see it as a dull chore. But not for flowers, veggies and herbs! (Or books, who am I kidding!) […]

Don’t Buy Everything You Can Afford

Whenever I hear people say, “We can afford it.” I feel a little nauseous. I break out in cold sweats. Everyone has a few pet peeves. This is mine. Perhaps this seems counterintuitive but let me explain. 1. If you can’t pay cash, you can’t really afford it Affording the payments isn’t the same thing […]

how to afford financial freedom