“How are you staying so calm?”

One month into our debt free journey and we have our first true emergency. We own a small house down south beside my sister, so we went south for the holiday weekend. Once we arrived, we turned the thermostat up and went over to visit with my sister. When we came back to go to… Continue reading “How are you staying so calm?”

What’s the Difference Between an Elephant and a Chocolate Chip Cookie?

We paid off one more bill this week, and I feel different. When we paid off the first two bills, I was excited about it and still unsure if we can continue this. Can we keep the momentum and stay focused?  I’m not totally amazed that we managed it - I’m CONFIDENT about it!  We… Continue reading What’s the Difference Between an Elephant and a Chocolate Chip Cookie?

Money and Relationships

Changing behavior with money is the key to budgeting.  Paraphrasing one of my favorite quotes by Charles Swindoll “Life is 10% what happens to me and 90% how I react to it” reflects how I feel about money.  Its amazing how funding an emergency fund changes our reactions.  I’ve experienced  its unwise to make financial decisions… Continue reading Money and Relationships


Intentional My word of the year for 2019 is Intentional - with my life and with money.   Almost two years ago, my family experienced a life altering event, which I’ll share in an upcoming April post. We were in survival mode, just getting by emotionally and financially. “To the world you are one person, but… Continue reading Intentional

Her Name Was Emilie

Holling destroyed the church records in 1946, taking my family history and leaving more questions than answers. I knew my great-grandparent’s names, but no birthdates or date of death. My mother always spoke about her step-grandmother and how much she loved her, and vice versa, but I didn’t know her name. My mother passed away… Continue reading Her Name Was Emilie