Find all the money-saving tips and advice on getting out of debt and staying out of debt.
What happens if you have to go into debt temporarily?
I hate debt. I hate owing people money. But I also live in reality.
If you find yourself on the verge of making a decision to go back into debt, ask yourself why.
Read MoreThe day I woke up and decided to stop living paycheck to paycheck. I remember the day clearly. We had more month than money, our checking account was in the red and we had about $136 in our savings account. That's a bad day.
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This is a conversation that we need to be having more of because pretending like we're perfect little money angels doesn't help anyone.
Read MoreYour budget might be your single most valuable tool in the debt free journey But it exists to serve you.
Read MoreWe're not all perfect little money angels. And we don't need to pretend to be. Everyone makes mistakes. That is part of being a human. That is part of the learning process and the growing process. Mistakes happen.
But what do you do after you have had a financial upset or you have made a financial mistake?
It's tough. It's hard. It hurts sometimes. It hurts to realize that you did something stupid, but it also hurts to have to fix it. I want to talk about what to do when you have made a financial mistake and how to come back from that.
Read MoreLet’s talk about saving money and guilt. I got a DM from a sweet and stressed out Mama who was feeling so guilty that she wasn’t doing enough to save her family money so I’m going to share with you what I shared with her.
When we talked getting out of debt it can feel a bit overwhelming, right? Like it takes a lot of HUGE changes to get out of debt.
Yes, there will be some lifestyle changes that need to be made. Yes, you will have to change your thought process and relationship with money. But I truly, honestly believe that it is the small changes that have the biggest impact on our lives.
So let's talk some of those small changes.
Two weeks ago I got a letter from a collection agency. It was for a debt I did not owe.
SO what did I do about it?
Read MoreAs you may already know my husband and I became debt free in February of 2014. And I get a LOT of questions on how we did it. A LOT of questions.
It's no secret that we are huge fans of Dave Ramsey. But I cannot totally say that we stuck to the baby steps 100 percent of the time. However, I just want to add the disclaimer, that I think he's right. I think his advice is spot on and he has helped millions of people. Listen to what he has to see and then apply it in a way that works in your real life.
In fact, we were in the middle of Financial Peace University when we paid off our debt. So I know his system works.
Read MoreHang around, this year I am going to be motivating you on your own debt free journey. But first I wanted to share 16 money mistakes we ALL should stop making in 2016.
And some of these apply to me. Just because we are a frugal family who insists on paying cash for everything doesn't mean we don't make money mistakes. We do. LOTS of them. But here are 16 things I think we could all benefit from if we just stop doing them.
Read MoreFrugal Debt Free Life is a blog for those looking to get out of debt, stay out of debt, save money and live a more simplistic life style.
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