There have been times in my life that I have been frugal because I have no other choice.  When I was in college was a perfect example of that.  There have also been times when I was frugal out of choice, which is most of the time.  This comes from realizing and enjoying that by being thrifty my money can go further and I can do more things that I like to do.
Through the past few years, we have been incredibly frugal and it has paid off.  We have paid off large amounts of debt and we are now living …read more

I’ve told you about the success my husband and I have had with paying off debt while following Dave Ramsey’s program.  You CAN do this too! 
Dave Ramsey’s site has a list of places in your area where his Financial Peace classes are being held.  All you have to do is type in your zip code to find out more information.  Click here for the Class Finder.
These classes are becoming more and more popular, as people are seeing the bondage that debt holds and that they can successfully follow this program.  I was amazed to find two upcoming classes where my parents live and seven …read more

Last year, I told you about the Financial Peace classes my husband and I were taking at church.  These classes helped my husband and I to get on the same page financially.  We both saw the bondage that debt had on our lives and ever since then we have worked hard to get out of debt.
It didn’t take long for my husband and I to start selling some of the things we had accumulated.  We’ve been married for over 10 years, so you can only imagine the hobbies, toys, and things we had collected.  One time a friend of ours …read more

Looks like I will be having surgery soon.  We are at my mom’s and my carpal tunnel is HORRIBLE!  As I am typing, my hand is completely numb.  Guess I will have to find another source of income as I really don’t have enough vacation time for a 6 week absence.  I hate being so dependent on income to survive.  This is another wake up call for all of us to try to live our lives debt free.  My grandparents had it right.  Why do we always assume we have to have even a house payment?  They didn’t.  They paid …read more

If you’ve been reading the posts from Thrifty Mommy, you’ll know that I am close to being debt free!  I am currently working on paying off my student loan.  Although I’m almost there, it has been a long 10 years paying towards the debt.  Yes, I said 10 years!!!!
I realize most of you have graduated high school and have gone on with your adult life.  I also realize that some of you may be considering college or have children that will soon be attending college. 
Here are some tips to help you pay cash for college:
1.  Go to community college the …read more

Some of you may remember my post about Financial Freedom.  My husband and I are taking a 13 week course at our church that is by Dave Ramsey.  We are learning tips on saving money, buying big bargains, ways to invest, and most importantly how to become debt free.
I was visiting Dave’s site last night because I wanted to give you some tools to use that are for public view.  Fortunately, Dave has graciously put a  lot of information on his site.
Here are the 6 steps:
1.  Save $1,000 to start an emergency fund
2.  Pay off all debt using debt snowball
3.  …read more