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Living below your means is important more NOW than it ever has been. Prices keep going up and up making it harder to stay on budget and save your hard-earned money.

I am forever grateful that my husband and I paid off $100,000 of debt (in less than 2 years), in 2022. If I were to do it all over again I would in a heartbeat.

Read this blog post for 10 ways to live below your means.

I’ve always tried to pay off my loans sooner than the loan’s life. I knew that by paying more on my loans I was saving money in the long run. However, I didn’t realize just how much money I was paying every month and year in interest by having loans and debt.

Read this blog post to learn how I got my finances on the right track, worked hard, and paid off my vehicle 3 years early.

When my husband and I were drowning in debt, we had to decide which debt to pay off first, second, and finally third. We had $100,000 of consumer debt that we wanted to pay off and we were able to pay it off in less than 2 years. I am so happy we paid off our debt quickly because I was under so much stress, I felt extremely overwhelmed, and I had a lot of anxiety prior to becoming debt-free (besides our house). Now, I feel safe and secure in my finances, and you can too!

Read this blog post to learn the difference between the Snowball and Avalanche Debt pay off methods.

When I was stressed with my finances and was learning to budget, I didn’t want the budgeting to consume my life and take up a lot of time. I am a busy mom to 3 boys. At the time I learned to budget and “get good with my money”, I worked as a Registered Nurse and had a part-time photography business. So, the way I wanted to budget needed to be quick and simple.

Read this blog post on how to budget in 15 minutes or less!

Let me just start off by saying, money is complicated. The way we view money likely goes all the way back to our childhood. Back in the day, I used to buy a lot of things just because I wanted them at that moment. I did not think long-term about if those items would last beyond a few weeks or a month, continue to be useful to me, bring me happiness, or if I could really truly afford it.

Read this blog post about how I changed my money mindset and paid off $100,000 of debt in less than 2 years.

First, there are MANY ways to budget but today we are going to talk about The Plan Ahead Method. The Plan Ahead method of budgeting is a wonderful and easy way to budget. It works great for busy moms and those who do not want to spend hours creating and managing their budgets.

Read this blog post on how to budget using the plan ahead method.

My 3 boys like to spend my money. Full stop. Sometimes they understand when I say “no” to them when they ask me to buy them something and sometimes, they do not understand. Each of the 3 have their own personalities and this applies to their spending habits as well.

Read this blog post on how we are teaching our kids to be responsible with money.

Oh, credit cards, how I love you and dislike you all at the same time. I don’t like the fact that so many people end up with thousands of dollars of credit card debt every year. I like the convenience and the cashback or points that I gain by using our credit cards. I like that I can build and maintain some of my good credit scores by using credit cards.

Read this blog post on how you can manage your credit card responsibly.

There are many things I have learned from paying off $100,000 of debt in less than 2 years. I have gained more clarity in money and life. My mental health has improved and so have my relationships. I am more open to talking about the “hard topics” with others. So much changes when you go on a much-needed journey in life.

There are many ways to go about getting yourself out of debt. There are a couple of well-known methods to use including the Snowball Method and the Avalanche Method. However, there are also a few other things that will help you get out of debt sooner.

Read this blog post on 5 ways to get out of debt.