Thanks for coming on over to Everyday Thrifty to see what we’re all about! I’m happy you’re here. My husband and I decided to launch this site to give our unique take on personal finance. Most of our insights are from our own experience of getting out of debt. With a determination to live debt free and a vision to guide us, we were able to pay off $67,630.81 in 16 MONTHS on a modest income.
Our desire is to share what we’ve learned with you. There are so many ways to creatively save money so that you CAN live a debt free life and even have fun in the process! We also want to give you a boost of inspiration from our daily life with budget-friendly recipes, DIY projects, and the occasional humorous anecdote.
You’re in the right place if you want to:
- Pay off debt
- Save money
- Earn extra income
- Get inspired to live a full and free life
So let’s get to know each other a bit! My name is Nicole and I’ve been married to my best friend, Joseph, for 8 years. Before becoming a stay at home mom, my career was in clinical social services in a skilled nursing facility (aka: nursing home). I met the only guy I’ve ever dated shortly after I started my career, and our relationship took off after a few awkward first dates. Joseph has an MBA and has worked in sales and management in both the financial services and security industries.
Reality sunk in about a year into marriage that our spending habits were more geared towards immediate gratification than long-term financial freedom. We realized that our combined student loans, car loans, and other miscellaneous debts were pretty substantial. We were paying slightly more than the minimum monthly premiums, which did virtually nothing to eliminate the principal. To top it off, we wanted to start a family with me as a stay at home mom. With all this in mind, our new hobby became hacking away at our debt. We were able to pay off $67,630.81 in 16 months by first auditing our current spending habits, making a simple budget, adjusting our lifestyle to live on less, and creatively earning extra income on the side.
We found that living frugally became a way of life that we enjoyed even after we paid off our debt. Living on less has helped us focus on what matters most and given me the opportunity to be a stay at home mom. Now our financial goals are based on growing our investments and paying off our home mortgage. We are a family who loves to be inspired as we learn and grow with others. Our hope is to inspire YOU to live a full and free life.
Interaction with you guys is the fun part of all this! So come on over, and let’s connect on social media. Follow the links below, drop us a line, and tell us a little bit about your own financial journey.