Debt is Dumb: Why We Are Getting Rid Of It, And Why You Should Too

When people find out we are working towards getting out of debt we generally get one of two reactions:

The first group of people think it’s really neat, but then explain to us the 5,975 ways they would never be able to do it.

The second group of people just blatantly tell us how ridiculous that is, car notes are just a way of life-you know?

Of course there is a small group of people who cheer us on; who have gotten out of debt already, or are currently on this journey as well. Those people are the ones that keep me encouraged and going as we begin what I know is going to be a hard time. “Living like no one else,” Dave Ramsey calls it, “so that later you can live and give like no one else”

By far the question we get asked the most frequently is simply, why? Why get out of debt? Why say no to everything? Why live on such a tight budget for so long just to say you’re debt free? I’ve thought long and hard about the answer to the infamous ‘why’; and have come up with not one, but several reasons. Reasons why we are getting out of debt, and why you should too.

I want to build experiences for my children without the burden of debt on our shoulders. I want them to tour Europe, to see the Northern Lights, to surf in Australia. I have so many dreams that I want my children to experience, and I want to experience with them. These things are expensive in and of themselves, but they are unimaginable when you have the burden of debt on your shoulders.

I want to be able to give. I want to sponsor a refugee child, to pay an entire months bills for my church without batting an eye. I want to set up a foundation to help families like ours get to Colorado to access medical cannabis for their loved ones. These are just a few, there are so many ways I want to give back to this world. But I can’t do that when I feel like the money I’m making isn’t really mine yet, it belongs to all the people and business’ I have borrowed from. I have to pay them back before I feel comfortable calling my money my own, and then giving it away to people who need it more.

I want to retire. I want to retire, and I want to retire comfortably. I don’t want my husband and I to have to work until the day we die (unless we are doing something we love, then we might want to keep working). I don’t want to rely on the government’s meager social security pay out to live on, or worry that I will have to go in a Medicaid funded nursing home when it’s needed. I want us to be able to live comfortably, on our own money, until the day we die. Without being a burden on our children, the government, or our community.

I want to leave a legacy for my children. I mean this in two ways. I, of course, want to leave a financial legacy for my children. To help them buy their first house, send their children to college, or just have money sitting in the bank. But I also want to teach them financial responsibility. I want them to know how to say no to things they cannot afford, to know the importance of telling every dollar where to go before you spend a penny, and to never fall into debt themselves. Money is a big responsibility, and I feel it is our place to teach our children how to handle it.

So there you have it, my reasons for getting out of debt. And for the record, yes when we say debt free we mean no car payment, no mortgage, no student loans. No money owed to anyone but ourselves.

The road ahead is both daunting and exciting. But we’re ready, are you?

What’s the Point

Full disclosure: These are neither my legs, or my dog. I do have a dog though…and legs.

I owe y’all an apology.

You see, normally when you come to a blog you know right away why you are there. What the blogger’s purpose is. Why they do what they do. I have failed to give you that information. My purpose. My point.

Everything up to now has been a jumbled mess of this and that, and for that I am so sorry.

So…why do I blog? Well over the last couple weeks I have been taking some time to ponder that question. What am I passionate about? What makes me tick? And I have come up with three answers for you.

Green Living

I have a passion for sustainable green living and making as little impact on the planet as possible. I don’t know if we will ever be able to go zero waste (although I’d love to), but I would like to minimize our waste as much as I can. Think one garbage bag a month or less for my family of five. Those are my longterm goals of course, and it will take us awhile to get there, but that’s what I am moving towards.

Debt Free Living

If you follow my YouTube channel you know that we were previously on a journey to get out of debt. Well over the last year that has been put on a major hold thanks to many things, but mostly Austen’s medical condition and the many life changes we have made to accommodate it. Starting this month we are back on the debt free bandwagon though, and we’re hoping you will tag along with us.

Family

I consider myself a lot of things. A writer, a friend, a coffee lover, and Harry Potter fanatic. But above all that-I’m a mom. My kids are very much my life, and 99% of what I do revolves around them. So just as much as I will be sharing our green lifestyle and our debt free journey, I will also be talking about my kids. I’ll talk about Austen’s cannabis journey, Addi’s diving, and Atlas’ antics. I’ll talk about the things we are doing to raise them to be the kind, hard working, compassionate people we hope they will be. Basically anything and everything kids is within reach here, if I am being honest.

So there it is, that is why I blog. I promise to try my hardest to keep my posts to these three topics. Although we all know a political post might slip in a time or two, but I will try to keep it at a minimum.

I look forward to sharing with you.

New Beginnings

I woke up this morning to snow. The weather man told me yesterday that snow was not the forecast, but the dainty white balls of fluff have been falling continuously outside my window. I do not mind though, snow is clean, it is refreshing, it’s pure. Snow has a way of washing away all that is dirty outside my door and making it new again. Today I need new.

I have suffered with anxiety and depression since I was in high school, but for awhile there I thought I had it under control. My anxiety attacks became fewer and farther between, and when I did have one it wouldn’t take an ativan to make it go away. But over the last year and a half that has not been the case.

Depression has a way of coming in waves. For a long time those waves were small, and I could easily jump over then without my head fulling submerging into their depths. Lately the waves have been coming bigger and bigger though, I can no longer jump over them, they make me feel like I can’t breath.

Maybe my depression is situational, it’s been a hell of a two years after all. Maybe it’s not. What i know is that I cannot handle it on my own anymore. I want to feel better, to be a better mom, a better wife, a better friend. Right now, I can’t do any of those things in the way I want to or need to. I have no energy to clean, to play with my kids, to enjoy moments with my husband. I am on the verge of crying 98% of the time. This is not normal, this is not sustainable. I’m officially waiving the white flag, I’m surrendering, I’m starting therapy.

It’s a big step for me, my one and only therapy experience in the past was less than helpful, and probably actually a tad bit unethical. But I know I cannot to do this on my own anymore, so I have to call in the big guns. I do not want to go on medication, the thought of it makes me cringe, but honestly at this point I’d have a lobotomy if they recommended it. I just want to be me again.

So with all that said I apologize for the lack of posts over the last week. I know I do not owe anyone an explanation, but at the same time I feel like I do. I also feel an tug to be fully 100% honest in this blog. I want to be transparent. And I do not want to ever lead anyone to think that I am a perfect Pinterest post of a mom. I’m real, I struggle a lot, but I also do what I have to keep going.

So here’s to admitting my flaws, to picking myself back up, and knowing when I alone cannot fix the problem. Here’s to new beginnings.

Sick Day Soup

We just finished our second week in a row of having a house full of sick kids. First it was a nasty respiratory virus, and then a stomach virus made its rounds as well. This past weekend was filled with a lot of snuggles, many loads of laundry, and too many bodily fluids than I would care to recount.

We all know that with a virus there isn’t much we can do to speed along the healing process, rest, snuggles, lots of fluids, and bits of food are generally all we can do to help. When my kids are sick like this I find myself struggling to get something, anything, in them that will bring some nourishment without upsetting their little tummies more.

And so I give you my feel good soup. It’s simple, healthy, and tasty while not packing with too much flavor (to help keep the tummies at ease). But it feels good going down, I find that it’s just what my littles call for on days such as these.

Feel Good Soup

1 Tbsp Extra Virgin Olive Oil
1 lb stew beef, cut into bit size bits
4-5 cloves of garlic, minced
2 quarts beef broth
2 Tbsp Worcestershire Sauce
2 tsp Salt
1/2 cup of rice, uncooked
Parsley to garnish

In a 3qt dutch oven place olive oil, stew beef, and garlic. Brown on medium high heat for 2 minutes. Add water, worcestershire sauce, and salt. Bring to a boil on medium high, then lower to simmering. Cover and allow to simmer for two and a half hours. Add uncooked rice, stir, recover and allow to simmer for 30 minutes or until rice is tender and cooked through. Garnish with dried parsley and enjoy.

 

 

6 Reasons I Love Plant Therapy Essential Oils

The following post my contain affiliate links.

 

Over that last few years I have had a love/hate relationship with essential oils. I love the way they (well, most of them)  work, that they are natural, and don’t require a doctors visit to get my hands on. But I hate how expensive they tend to be, researching which ones were safe to have in my home, and always seemingly having to go to a friend or sign up to sell with a company in order to get a product that was worth my money.

Not anymore folks, not anymore.

Last year while looking up affordable diffusers on Amazon (because really, who can afford to pay 85.00 for a diffuser) I came across Plant Therapy essential oils and I was intrigued. I figured I might as well try them, and y’all I’m telling you my world was changed.

Plant Therapy is now my favorite, and currently the only essential oil company I use in my home. Here’s why:

They have a kid friendly line.
One of the things that I have the most trouble with when it comes to essential oils is that many of them are not safe to use with kids. This means that because I diffuse many oils all around my home I need to be extra careful with every oil I use. But what mom really has time to sit down and look up each and every essential oil? Not me! Plant Therapy to the rescue! They offer a Kid Safe line of essential oils in both singles and what they call synergies (mixtures of different oils to help with different ailments). This means I can focus on what best will help my kids, without worrying about it hurting them too.

They have something for everything.
Eczema? They have a synergy for that. Sniffles? There is one for that to. There are also synergy’s for calming, sleeping, paying attention, bug shield, even head lice. Seriously if you can think of it, they have a synergy for it, and that is awesome.

They really work.
Now let me start off by saying that I have not tried every oil and synergy that Plant Therapy sells, but I have tried a lot of them. And each one I have tried has done what it says it will. I love to put the A+ Attention on Addi when she goes to school, or even on me when I want to reign in my own (self diagnosed) ADD. The Sniffle Stopper is my go to as soon as we feel a cold coming on, and I diffuse the Nighty Night every day in our home. We still get sick, but I have noticed our illnesses are a lot shorter in duration when I am diffusing Immune Boom as well.

They are inexpensive.
A 15ml bottle of lavender essential oil retails for 28.00 from DoTerra and 30.92 from Young Living. That’s a big investment! But with Plant Therapy you can get a 30ml bottle of lavender essential oil for only 14.95, and a 10ml bottle for 6.49. And it’s not just lavender, every essential oil single and synergy I found with Plant Therapy was shown to be significantly cheaper than the counterparts from other companies. As a mama on a budget I can really appreciate Plant Therapy for making an affordable product I can enjoy.

They come in all sizes.
I’m going to touch base on the mom on a budget thing once again here, but if you are anything like me you like to buy things in bulk. There is nothing I hate more than going to put oil in my diffuser and suddenly being out. I love, love, love that with Plant Therapy you can buy oils in sizes ranging from 10ml to 100ml. You can even buy pre-diluted rollers of your favorite oils! Now I do not need every oil in 100ml bottles, but for the ones I use every day this definitely comes in handy!

I do not have to attend any parties, or hit up my friends to make an order.
My last, but definitely not my least favorite reason why I love Plant Therapy? They are not a direct sales company. Do you know how nice it is to be able to go to a companies website and order a product without having to sign up as a seller? Or not having to hit up your friend or attend a party just to get some product?  It’s awesome, that’s what it is. Thank you, Plant Therapy, for allowing me to not have to socialize in order to buy my oils. Seriously, you rock.

What I Want For My Children

Photo credit to Yellow Spot Photography

Today something is going to happen that I honestly never thought possible. As a nation we are going to swear a man into office who has zero political experience beyond the campaign he just finished, has already broken or twisted several promises he made during that campaign, has built himself a reputation as an amazing business man even though six  of those businesses have filed for bankruptcy, and wants to continue to tell us that celebrities have no business putting their voice into politics when he is a walking talking embodiment of that ideology. He ran a campaign largely based on loud voices, vague platforms, fear, racism, and hate. And today we will swear him in as the President of the United States.

Today I look towards our nations future, and I would be lying if I said I wasn’t apprehensive, I have spent a lot of time praying for this country and this planet we call home. I’ve prayed for the individual I do not like at all, and for all of the people scared of what the next four years will hold for them and their families. And one thing I have gotten out of my prayers is that although our countries future is uncertain, my dreams for my children’s futures are not.

I want my children to grow up to be hard working, motivated individuals who stand up for what is right, even if that means standing alone. I want them to find love, happiness, and friendship free from restrictions of race, religion, or gender. I want my children to know that others do not have to look like you, believe like you, or love like you in order for them to be accepted. To be defended. To be protected.

I want my daughters to be paid an equal wage for equal work, I want them to be able to wear what they want without fear of being assaulted and told they had it coming. I want my son to know that a woman’s place is beside him, not behind or below him.

My children are my life, my heart, and my soul. I want them to know I am always here for them, but I also want them to be capable and willing to stand on their own two feet. I want my children to look into their futures with hope and excitement, and I want them to look back on their past without resentment or regrets.

I have many wants for my children’s future, just as I have many wants for my nation’s. In the meantime I will continue to pray for both, to lead by example, and continue looking onward. As J.P. Morgan once said:

“The first step towards getting somewhere is to decide that you are not going to stay where you are.”

 

Homeschool Dropout!

Lately I have been getting a lot of questions about whether or not Addi is still homeschooling. The answer is no, after a lot of thought and contemplation we made the decision that it was time to put her into a local charter school in our area.

In today’s video I explain how we came to that decision and why it was the best one for our entire family.

 

4 Lessons from 7 Days Without Social Media


“I bet you a hundred dollars you can’t go a week without that.” my Uncle Cas said, rather smugly I might say, as we sat in the living room after Thanksgiving dinner.

By that he meant the internet. Never one to back down from a bet, I accepted his challenge.

And I failed, I failed miserably. Cyber Monday, need I say more? But after I had clicked order on my children’s final Christmas presents I decided I would not completely give up. I had gone three days already without social media of any kind (no Twitter, Facebook, Instagram, or even YouTube) and although I would not be celebrating Christmas with another Ben Franklin hanging out in my pocket I figured I could at least see if I could keep part of my commitment.

I’m not going to lie and say it was easy, in fact it was really, really hard. I, like many in my generation, have become dependent on the the constant connection that social media gives me. The constant constant entertainment and feeling of connection without zero effort. But I did it, I pulled through, and I even learned some valuable lessons during the process.

Lessons such as:

I do not have to be constantly plugged in to maintain connections.

My generation are the pioneers of social media. Yahoo chat, MySpace, Facebook, Twitter; we’ve had it all at our fingertips since keeping up with our friends outside of homeroom became necessary. It is so easy to send a quick Facebook message or DM someone on Instagram that it becomes a go-to form of communication.

But during my week without social media I found that these methods of communication were not necessary for me to maintain communications, instead I found that I still connected with the people most important to me, and in even more meaningful ways. A call to my grandmother or best friend left me feeling a lot more fulfilled than a chat message. That’s because during the call, however brief it was, both parties were fully engaged in the conversation, it wasn’t given in little snippets broken up by chores, work, or other daily activities.

Social media costs.

This one was a big one. We hear people often talk about how much time is wasted on social media. We look at our phones so frequently they become another appendage, so much so that I don’t think we can fully fathom just how dependent we are on them until they are taken away. By taking myself away from social media, I took away my need to look at my phone. Believe me, the first few days it felt like I had lost an appendage, like my left leg had suddenly walked away on it’s own and I was left me wobbly and uneven.

And while I felt unsteady without my phone, like I had lost something or was missing something, I soon realized how much I had gained by giving it up. I had gained time with my children, moments that had once been lost while staring at a screen. I had lost the effort and motivation to take care of my home and family, and the relationships I would should have been building with them.

It’s a lot more enjoyable to experience the moments instead of worrying about posting them online.

By day three without social media, I started to feel a little more steady. I started to breath, and to see my surroundings clearer. When I played with my kids I was seeing them through my own eyes, and not through the eyes of my iPhone camera. I experienced moments with them fully engaged instead of planning out how I would put it into a Facebook status.

I started really living these moments with my family, and I enjoyed every minute of it.

I’m not the only one with this problem.

This one seems very obvious, and maybe I am silly for even thinking that it is something worth noting. But I really was taken aback that once I unattached myself from social media for a little while, and coincidentally unattached myself from my phone simultaneously, I noticed how many there were out there like me. Not just moms and dads, and contrary to popular belief definitely not just millennials. No, this problem is one is felt by seemingly all generations, races, and religions. It does not discriminate; and whether that is a good or bad thing I do not know.

After my seven days were done and over I would be a liar to say that I was not happy to have social media back once my little experiment was over. In fact, the first thing I did was check my Facebook feed. But while I have not fully given up on social media altogether, my experiment did give me a sense of the freedom that I can have without it. Although I still use it to connect to my friends and family, my days are no longer wasted away on the screen of my phone. And I really, really like it.

 

 

2016 Favorites

Please note that this post contain affiliate links.

2016 was a big year for our family, and I thought long and hard about the products and people that meant the most to me this year. I hope you enjoy the video!

***

Melanie,
I want to let you know how truly grateful I am for you and your support over this past year. You are one of the most amazing, helpful, and caring people I know. There is no way I will ever be able to thank you for all you’ve done for our girl. I know you always tell me that it was nothing, but that ‘nothing’ has made a huge impact on our lives for the better. Every gain Austen makes can be traced back to the choice you made to have that conversation with Dr. H.  Thank you, thank you, thank you.

***

Products Mentioned:

Your Skin But BetterTM CC Cream with SPF 50+ (Fair)
It Cosmetics Bye Bye Under Eye Full Coverage Waterproof Concealer, Light (Ultra Fair)
First Aid Beauty Ultra Repair Cream
Rosebud Salve by Rosebud Perfume Company 0.5 fl oz
The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing
Eat, Pray, Love
Back to Butter: A Traditional Foods Cookbook – Nourishing Recipes Inspired by Our Ancestors
The Elliott Homestead: From Scratch: Traditional, whole-foods dishes for easy, everyday meals
KidSafe essential oils
Bullet Journal
Flowering Hope Foundation

What were your favorite products of 2016? What products are you excited to try in the new year?