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The Living Without Series

This is a series of posts that I wrote back in 2006 on living with less stuff. Check them out: liv011Living #2liv031liv04

Coal Creek Farm on Facebook

The Chicken Doctor

April

The Architect

Clay

Guest Post at The Bargainist

The Bargainist

Click the image above to check out the little tidbit I wrote for The Bargainist about surviving this whole Damn Ramsey debt snowball crap I’m living.  They asked for 200-300 words.  I’ve never felt more paralyzed by a word limit.  You know, I like to blather on and on, right?

Straw Hats and Pot Racks

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Clay and Seth have been hiking on a mountain somewhere in Colorado this week with three other dads and their sons.  They get home today and I must say, I kind of miss them.  I’ve been running around town buying school supplies and working on my real job and hauling pig food and watering the garden and avoiding all those projects I’ve started and…um…uh…I think it might be my turn to go to Colorado.

To make myself not feel so left out of summer vacationing I went and bought two new rugs for my kitchen.  It’s amazing how buying something like a rug  justifies the injustice I was feeling.  I’m glad I have a tiny bit of restraint because I also wanted to buy two bar stools, some new plates, shoes, more rugs, kitchen tools and clothes as far as the eye can see.  Please do not use me as an example of how to cope with your lack of summer vacation.

Oh and a pot rack!  Lord, how I shopped for a pot rack and wanted so badly to buy one.  The only reason I don’t have my pot rack and two new bar stools is because I ran into my friend, Nan, who is “The Damn Ramsey Queen”.  She and her husband have paid off over $80,000 in debt in the last two years.  Yes, I said $80,000.  The woman is hell bent on getting out of debt.  Her focus and determination radiate from every pore.  I really admire her for all her hard work.  I left the store empty handed and felt like I had smacked face first into a concrete wall.  Battered and bruised I got in my van and decided I could wait for the bar stools and pot rack.  DAMN RAMSEY!!

I need some new focus.  Yes, I’m still living on the cheap, but Clay makes fun of my rationalizations – I bought new fabric to recover the porch cushions that cost me $20, but new cushions would cost me well over $100- Clay thinks it’s funny that I tell him how much I’m saving, but in fact we would be fine without new cushions.  He sucks the fun right out of my shopping highs.

Now, take a look at his straw hat.  He loves that hat.  It’s one of many that he wears when working on our farmette.  He wants people to think he’s a farmer, bless his heart.  I’ll be glad to see him and that  scruffy face today.  Maybe he’ll tell me to go treat myself to a pot rack and two bar stools while he showers and shaves.  What can I say?  Fantasies are the only vacation I get around here.


The Debt Snowball Celebration

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Sixteen months give or take a few weeks.  That’s how long we’ve been doing this Damn Ramsey thing.  Have I mentioned how hard it is?  Have I mentioned that sometimes it’s a lot of fun?  But most of the time it sucks big time.  The budget, the restraint, the saying NO to everything, the giving up this and that and the stinkin’ envelopes!
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But then….

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at some point all that hard work and sacrifice pays off.  That’s when you can start to celebrate a little.

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And by celebrate I mean you go to Sonic and everyone gets a milkshake even though you really want a steak dinner and a nice bottle of wine.

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We paid off our first debt.  That red truck is now officially ours.  We paid it off a little early too.  Which was a really good thing because….

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our mortgage payment went up quite a bit.  Wow, Debbie Downer, man.  Hey Clay!  Stop your gosh darn bouncin’ around and get back to work Dude, we got bills to pay!

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Here’s what we’ve done in those sixteen months.

1. Started writing a budget for every month.

2. Implemented the envelope system.

3. Saved $1000 for an emergency fun.

4. Used the emergency fund 4 times

5. Refunded that emergency fund and bumped it up a bit.

6. Paid down debt, concentrating on any extra money going to the truck.

7. Paid off the stinkin’ truck.

One down…more to go.