Renewed Sense of Purpose

It’s been ten years since I first took Dave Ramsey’s Financial Peace University. For the first time, I felt like I knew how to handle budgeting (I used to think it was inhibiting, when it’s actually incredibly freeing) and how to tackle debt. I met Brennan a few months later and eventually taught him what I had learned.

When we got married, we both brought debt (student loan and other debt) into the marriage. Our total amount of debt was $106,929.39. Staggering. Crippling debt. But, we followed Dave’s plan (with a few detours) and committed to knocking that out as quickly as possible.

We bought our first home six years ago because we saw the profit potential and knew it would be a way to become debt-free even faster. And it worked.

In our first six years of marriage we paid off $85,000 and were down to only my student loan. But then we became lazy and, when tempted to take out a large construction loan to remodel our new home, we gave in impulsively to have the instant gratification. While not in debt to the extent we were when we first got married, it’s debt, regardless, and it has been difficult mentally to get over our mistake.

Our new church announced that they were offering the class beginning in January, so we decided that it was time to take it together and get back on track. We have continuously budgeted our entire marriage but it’s time to start the “debt snowball” once more.

Now that we have children in our home again, we’ve realized that THEY are our motivation and purpose. We never want to have to tell them they can’t participate in something because we don’t have the money if debt is the reason. 

Our goal is to be debt-free by the time they turn five. That is fifty months from now.

We have a plan. We’ve tightened up our budget as much as possible – which led us to realize that we surprisingly don’t have a spending problem, but rather an income problem (in terms of having extra to be aggressive with debt payoff). We weren’t sure what to do, but we prayed for opportunities to earn extra money that could be applied directly to our debt.

And, as always, God is faithful to His children.

I was presented with the opportunity for a new part-time job that will not only bring in some extra income but also help us cut our food budget and simplify meal planning (and give me a much-needed break a couple of nights each week).

And then, on Friday, I was offered a promotion at my other part-time job that not only pays more but it’s a lot more responsibility (being the manager on duty – MOD). Not only was this an answer to my prayer, but I was an answer to their “prayers” because it’s only 1-2 weekend days a month and they didn’t know how they would find someone willing to work so few hours. Then they remembered me, my qualifications, and how I’m currently only working there 1-2 times per month, and they said it was the perfect solution all-around. God’s hand is clearly in this. 

This all happened in the last three weeks and we’re still in awe. 

We didn’t pray that God would just hand us money (though we wouldn’t say no 😉 ) – we prayed for opportunities to EARN it, and He came through quickly and amazingly!

I share all of this as an encouragement. ANYONE can do what we’re doing. EVERYONE can become debt-free even though it requires dedication, sacrifice, and hard work. As Dave says, “Live like no one else so that later you can live and give like no one else.”

We are “gazelle intense” and ready to pay off my student loans and this construction loan as soon as we possibly can. The future of our children is worth the sacrifices we make now.

What Motivates You?

Today I cleaned my kitchen.

It took me several hours as I had to do tasks in short stints as the boys allowed, but it looks SO much better, and I feel better about it.

Why am I telling you this? There’s a reason. I’ve learned something recently that I think may help you, as well.

Bottom line: I don’t love housekeeping. My lack of love for it has led me to justify being lazy about it. Add in the excuse of twins, and a loving husband who will come home from work and do whatever needs to be done, and I easily justify and make excuses for not cleaning or tidying my house very often.

I don’t like cleaning, but I also don’t like when my house is messy. So I have had to really think about what motivates me, as a clean house is proving to NOT be motivation in and of itself.

We recently sat down and made priorities for our family, and one of the top three is family time. When I began to evaluate my role as an at home wife and mother with our new priorities in mind, it became clear that I need to use my family as my motivation for the tasks I don’t feel like doing.

When I allow love for my husband and children to be the motivator, I can find joy in the mundane.

My husband works HARD to provide for our family. He is gone for 8-9 hours per day, time he would rather be with his family; yet, he faithfully goes to work so that we can afford to live.

He works hard and deserves to be able to enjoy his children when he comes home instead of doing dishes.

(Note that I didn’t say he should get to just come home and lounge – if he only wanted to do that, I’d find it MUCH harder to want to do these things! But because he loves to serve his family, I want to make sure there’s little for him to do while he’s home.)

When he comes home to a clean (ish) house, he can relax and enjoy our boys. And that will bring joy to my heart as I love seeing him as a father (and it gives me a little break 😉).

As the boys become more mobile, that will be motivation for keeping the floors clean so that they have a clean space in which to crawl and play.

See what I mean?

Chores by themselves are NOT motivating to me at all. Neither is obligation. But knowing that what I am doing is serving and blessing those I love the most makes me do these tasks with joy (most of the time).

Make priorities to guide your family, and use them as your motivation. Having family priorities is truly transforming our home life and I am SO excited about how it will shape us and our future in years to come!

If your motivation for something is negative – or non-existent – try to find something good and positive that can be a motivation. Something outside of yourself.

“For you have been called to live in freedom, my brothers and sisters.
But don’t use your freedom to satisfy your sinful nature.
Instead, use your freedom to serve one another in love.”
– Galatians 5:13 (NLT)

Serving others brings such joy (and it’s biblical), so let that be your motivation for the mundane.

“Love each other with genuine affection,
and take delight in honoring each other.”
– Romans 12:10 (NLT)

Discipline, Freedom, and Walmart Pickup

It’s been almost a year since I blogged about the freedom that comes from discipline and I’m not surprised that it has, yet again, been a theme in my life lately.

In short: I’m in desperate need of structure.

As the twins have been increasingly content to play and occupy themselves, it has given me more time and more opportunities to do things unrelated to them. While it has been great, it has also revealed just how out of control life has become AND how desperately I have been craving structure.

Beginning in childhood, we tend to think that freedom means no rules, no boundaries, no structure.

It’s actually the opposite.

Since the boys were born we have been less strict with following our budget, which leads to overspending and stress.

We’ve eaten out (also not in the budget) WAY more than we should simply because it was easier than meal planning.

When we have free time the LAST thing we want to do is something responsible, but that has led to us feeling burdened by the lack of discipline. In reality, we could have found the time to create more order in our lives if we had really made it a priority.

We’ve allowed our lack of discipline to create mild chaos in our home.


Two weeks ago, at one of the mom groups I attend, the speaker discussed setting priorities. She started by mentioning one of the laws of physics – that an object in motion will stay in motion unless something interferes. The same goes with our priorities – if we want change, it isn’t going to miraculously happen. We have to step in and fight to make it happen.

This week, Brennan and I sat down after brainstorming separately and discussed what our priorities were for our family, our marriage, and ourselves. Not surprisingly, they were almost identical!

I will blog more about them later, but the top three are:

1. Spiritual growth

2. Financial freedom

3. Family time/closeness

Each one has many bullet points and ideas for how to implement them, but we wanted to keep each overall priority simple.


We’re using these priorities to help us make decisions and allocate our time, and it is already making a huge difference.

Example: meal planning

I decided that every other Wednesday (budget day) will be meal planning day. I will also be simplifying the meal rotation to 10-15 meal options so that I have less thinking to do, and we will be using the slow cooker daily if possible to ensure that dinner happens.

I will “shop” that day using the Walmart Pickup (click for $10 off your first order!) app (the BEST THING EVER) so that I am able to see how much we actually need in the budget AND we won’t be able to easily buy impulsively. Immediate savings! Plus, we will save time by pulling up and having them load the groceries into my van!

I will also put each meal on the calendar so that I don’t have to think about what’s for dinner. Instead of wondering what sounds good, we will simply have what is scheduled. This alone will alleviate stress!

Oh, and I also found out that Costco will DELIVER to our house so that’s also a game changer! Now I can stay on budget and only get what we need (we all know how difficult that is at Costco!).

Just taking action in this ONE area helps our budget (financial freedom), helps us eat better, and gives us back time spent grocery shopping multiple times a month (family time).

These things may sound simple – and that’s the point. Right now, my exhausted brain can only handle so much without feeling overwhelmed, so these simple steps to make meal planning (and sticking to the budget) happen are well worth it.

I’ve felt so tired and didn’t think that structure was necessary, but it turns out that the lack of structure was making me even more tired!

I feel SO free and relieved knowing that my groceries are ordered, we stayed within our budget, meals for the next two weeks are scheduled, and my family will eat well.

We’re excited about our new family priorities and cannot wait to see how they shape our lives from here on out.

Do you have priorities that guide your family? I’d love to hear about them!