Give. Save. Spend.  

I can now say those three words are in our vocabulary but it hasn't always been that way.  For many years it looked more like:

Spend. Spend. Spend.

Which equated into:

Debt. More debt.  And more debt. (details in my Serving Money? chapter)

The main lessons I learned in our journey to being debt free are:

Photo credit:

Photo credit:

  • Short-term suffering leads to long term freedom (vs. short-term pleasure that leads to long term financial suffering)
  • Communicating with your spouse about where your money is tough (at first) but is key in getting back on solid ground.
  • Budget to dictate where your money is going. 
  • Spend what you have, not what you are going to have.
  • When you pay in cash, you spend less 
  • Make lists and stick to them.
  • I save money when I don't go shopping;-)
  • Toss coupons unless it is something on your list that you are needing.
  • Using money wisely gives perspective on what truly matters in life.
  • There is a lot to do as a couple, and family, that is fun and doesn't require a large budget.
  • Giving regularly fuels the soul.

Today I encourage you to...

  • Start the conversation.  Whether you are single or married, take the first step by acknowledging being debt free is an option.
  • Research resources that will help guide you on the path that is best for you (we were guided by Dave Ramsey's Seven Baby Steps)
  • Take your first action step in the direction of your intention of being debt free (maybe it is setting a budget, not buying something today, putting money into an emergency fund, etc.)  Choose what is best for your plan and DO it.
  • For more encouragement visit my finance pinterest page or read my finance related blog posts below.

A few resources from our journey to being debt-free...