Welcome!

I am Courtney, wife to R going on 4 years. We met while working together 6 years ago and our love blossomed in the workplace. R incurred school loans acquiring his Associate’s degree, then we paid for our wedding and honeymoon with the help of our parents and credit cards, and finally, we each contributed bad financial sense and existing debt to the pot, thus cementing ourselves in long-term debt and setting the foundation for our own financial ruin.

In an attempt to get a better grasp on our finances, knowing we were in manageable trouble, we remained living with my parents for the first couple years of our marriage. Foolishly, we moved out prematurely at my insistence thanks to clashing with my mom and increased stress. Shortly after moving, I lost my job and had to find another. We spent money we didn’t have on furnishing our apartment modestly and continued to live beyond our means with the help of our many credit cards, while also living in denial.

About 6 months after moving out on our own, I found out I would become “mom of one” to B, my chunka-lunka baby boy who is now 16mo old. He is pure joy in my life, and I can’t imagine the world without his boisterous laughter at his own jokes. He tells them and laughs, but he leaves the rest of us hanging since it’s in his own language still…lol… Having a baby comes with its own expenses – from the cost of the prenatal care and birth all the way through the gear, clothes, food, etc., etc., etc. Anyone who has kids knows how expensive kids can get.

Please join me as I try to detail and chronicle our journey of trying to rein in our spending, change our money philosophy, and eliminate debt from our lives to live in peaceful financial freedom!