Posts Tagged With: debt

3 houses down 

Jodi and I were talking last night about whether we miss our old house. Turns out we don’t. We’ve given up some conveniences, but that’s about it. So far the houses we’ve bee in are much smaller than our old house. That’s taken some getting used to. But we’ve managed just fine. The financial freedom we feel is well worth the smaller spaces. 

      We’re in our third house and third state now. We move to a new location in a couple of days. We’re also getting a better handle on packing and unpacking.  

      So, I don’t have any more words this morning. If you like to read short blog posts, then this ones for you. 

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Time to pack and go!

It’s time to pack and go, sort of.  Actually, we’re very ready to get back on the road to our next destination.  We started to begin packing up today and then we realized we don’t really have much to pack.  I’ll need to get our trailer from the storage lot on Fripp Island and pack up a little in the house, but then we’re done.  More than anything, we’re just ready to go again and see what’s next.  We’re also happy that the next stop will be a little less remote.

Some of what we brought never made it out of the plastic tubs we have them in.  They held things we just didn’t need yet.  We’ve also managed to downsize just a tiny bit more.  It’s kind of weird because normally packing means going room by room and is kind of a long process.  Now it’s 2 or 3 hours to get totally packed and ready to go.

Believe me when I say I’m not complaining.  It’s just weird to have so few things to pack.  In fact, it’s nice to know that it’s a relatively small, easily managed task that won’t physically damage either of us.  We have been talking about getting a slightly larger trailer because we think it would be a good idea to buy a scooter as a type of second vehicle at some point.  But, that’s a goal for later on.  Maybe someone will read our blogs and be so impressed that they want to donate those.  🙂  Or maybe not.

English: The Fripp Island Water Tower is a maj...

English: The Fripp Island Water Tower is a major landmark on Fripp Island, South Carolina. (Photo credit: Wikipedia)

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The power of possessions

As we’ve spent the last 2 to 3 months living in this first vacation rental on Fripp Island, we’ve thought a lot about the massive  life change that we’ve made.  We’ve made a few small adjustments to our lifestyle.  But, nothing major.  The major part was selling our house and almost everything that was in it.

When we were going through that process there was a lot of anxiety.  Thoughts of are we going to need that again, I hate to get rid of this, how much has to go, etc.  It was a harder process than either of us imagined.  Prior to that, we would have both said that we weren’t connected to ‘stuff’.  We were wrong and it was hard to sell or give it all away.  I’m a little ashamed to say that it was painful.  I don’t want to be reliant on ‘stuff’, I want to be reliant on God.

But, as we did, you also can break the power of possessions.  You can be free from the stronghold of stuff.  I would like to tell you exactly how to do it, but I won’t other than to say that you just have to start.  There are ton’s of spots on the inter webs to get step, tips and tricks on how to de-clutter your life.  I highly recommend that you do it.

It’s an exercise in freedom that I didn’t know we needed until we did it.  You’ll find that you can live on less and with less than you ever imagined.  And you can live comfortably while doing it.  Life is about living.  Not gathering things.

English: A trunk used by immigrants from Swede...

English: A trunk used by immigrants from Sweden to carry their possessions. (Photo credit: Wikipedia)

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Don’t cheat your budget

Part of our path to Freedom is getting rid of debt using Dave Ramsey’s Total Money Makeover.  We use the gazelle budget software to track everything.  It’s difficult at first, but I promise it gets easier as you go.

Once you get into a budgeting habit, it’s actually harder to stop.  Especially once you see progress being made.  We got a small refund check from one of our utilities yesterday.  It’s so small that my first instinct was to deposit it and forget about it.  But, that’s just lost money.  If I did that, it was just go missing on something stupid.

Instead, I deposited it, added to the budget income and gave it a place to go.  Now, instead of just floating away into the great beyond, it will go to specific place.  It won’t be wasted, never to be seen or remembered again.

English: Budget and Spending

English: Budget and Spending (Photo credit: Wikipedia)

Categories: Budget | Tags: , , | 1 Comment

Are you living to die?

Jodi is out of town, so if I go out to eat I usually sit at the bar.  No need to take a whole table for just me.  I kind of like to listen to the conversations around me and study the people.

Tonight I ended up beside two men who were somewhere around 70 years old.  As I listened I found out that the bulk of their conversation was about how many years they had left to live, how much money they had saved, and what kind of work they could do to increase that amount before they died.

A couple of times they detoured the conversation onto what they would like to do, but each time they came back around to how to amass more.  It’s a noble thing to make sure your loved ones are taken care of, but what’s worth more?  You or your portfolio.  They also spoke a little about their children, but only to confirm that they’re are following in their footsteps.

As I listened and processed, I couldn’t help but wonder if it was worth it?  Was all the time not spent living worth being wealthy when you die?  They each confidently laid out what they had done, but there was a hint of sadness underneath.  I detected the ever so slight scent of regret.  Do they know deep down that they have missed what was truly important?

I don’t want this to be Jodi or me.  I don’t want it to be you either.  Stop living in preparation for dying.  God has given you one life, live it.  Please.

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Getting Out of Debt: Selling Stuff

Good information on debt relief.  We sold almost everything.  It can be hard, but it can be done.

Getting Out of Debt: Selling Stuff.

via Getting Out of Debt: Selling Stuff.

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I love golf carts!!!!!!!

I like to play golf, but honestly my favorite part of golf is the golf cart.  Imagine my joy when I found out that a golf cart comes with our rental on Fripp Island.  There are cars, obviously.  But the golf cart is the preferred method of transportation on the island.

There is even a golf cart service center located on the island.  I’m not sure why I love it so much.  But Daisy, my dog, and I love to jump in the cart on a sunny day and hit the open road topping out at speeds near 20 mph.

The speed limit ranges from 15 to 25mph so there’s also little fear of being run over by a car.  Plus, there’s no gas to pay for.

Golf carts

Golf carts (Photo credit: Wikipedia)

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We agree!


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