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  • Our Park - Small Notebook
    believe our eyes It is our own private park Add a comment February 21 2008 in Family Life About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Staying Put Next Winter Plants Advertisements Hi I m Rachel I ll help you simplify your home Share this site Pin it Get new posts delivered to your inbox Subscribe

    Original URL path: http://smallnotebook.org/2008/02/21/our-park/ (2016-02-10)
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  • Winter Plants - Small Notebook
    Window Shopping Comments berrymomma says March 31 2008 at 1 47 am That camellia is breath taking My pansies are a bit more droopy than yours And poor baby basil needed to be brought indoors Do you know if it will come back My parsley did I didn t know it was perrenial Happy surprise Advertisements Hi I m Rachel I ll help you simplify your home Share this site

    Original URL path: http://smallnotebook.org/2008/02/17/winter-plants/ (2016-02-10)
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  • Window Shopping - Small Notebook
    story She started to put sentences together too This week she said It s the sky And my favorite Dirt is dirty Dirty dirt Add a comment February 15 2008 in Family Life About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Winter Plants Advertisements Hi I m Rachel I ll help you simplify your home Share

    Original URL path: http://smallnotebook.org/2008/02/15/window-shopping/ (2016-02-10)
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  • Blog - Small Notebook
    is just the right size 2 Cover the sliced apples with the cinnamon and 1 2 cup of sugar in a bowl and set aside 3 Combine the flour salt and baking powder in a bowl and set aside 4 In a large mixing bowl beat the eggs and 2 cups of the sugar together Add the mixture of flour salt and baking powder Stir in the vegetable oil orange juice and vanilla Mix well 5 Place some of the apple slices along the bottom of the pan Pour 1 2 of the batter into the pan Top with half of the sliced apples Pour the remaining batter over the top and layer the remaining sliced apples and cinnamon sugar 6 Bake at 350 degrees F 175 degrees C for 90 minutes 2 Comments Staying Put Today we had the opportunity to look at a house to rent We currently live in an apartment It s officially 861 square feet It s not breaking a world record or anything but it is a small home for three people This new rental house would almost double our space for just about 100 more than what we re paying in rent A tempting offer At the end of the day we decided to stay in our apartment The funny thing is that a year ago we spent a lot of time deciding if we should stay here or move into a house Because that s what people do when they have a baby right We ve lived here for three years and we re about to commit to the fourth year I really didn t think we would stay this long but each year our apartment fits us better and I am happy with it It took effort to make our apartment

    Original URL path: http://smallnotebook.org/blog/page/198/ (2016-02-10)
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  • Blog - Small Notebook
    and I were married I put a bar of Scottish Fine Soap in Doug s stocking He liked it so much the following Christmas I gave him a year s supply of soap The next year however the kind of soap he liked could only be imported from Scotland We looked for other quality soaps and that s when I started noticing that a lot of the best soaps were handmade I decided I could learn how to make soap The result A handmade bar that is as Doug described it as exceptional as the original Christmas bar It s an all vegetable soap made of saponified olive coconut and palms oils plus shea butter It was really easy and fun to make A Beginner s Guide to Soapmaking 2 Comments Tulip Magnolia This blooming tree caught me totally by surprise when I saw it while stopped at a red light I had to look it up It s a tulip magnolia and it has cup sized pink blossoms that bloom in early spring before the leaves sprout 1 Comment 1 195 196 197 198 199 Advertisements Hi I m Rachel I ll help you simplify your home Share this

    Original URL path: http://smallnotebook.org/blog/page/197/ (2016-02-10)
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  • Good Reads & the Reigning Monarchy - Small Notebook
    came at a perfect time when I was ready to hear it Congratulations and thanks for the inspiration Alida says February 18 2011 at 12 43 pm I remember how the Italian grandmothers talked to me or scolded me for having my god daughter out in the hot sun in Rome in July I was only there for a month but it reminded so much of the Russian grandmothers we interacted with in Krasnodar Russia Grandmothers are the reigning monarchy there as well Alida s last post You know youre in Belize when Carolina says February 18 2011 at 12 54 pm My husband teaches Latin so he is pretty good in Italian as well I m not We have a lot of Italian visitors and I have realized that I understand almost everything through body language and knowing a lot of French Just listen a lot with ears and eyes and you ll learn it so quick Have a wonderful time in one of my favourite towns Living the Balanced Life says February 18 2011 at 12 55 pm It is really funny you found a reader in Florence Such a small world I found an old friend on another blog by seeing her in a group picture Had no idea she blogged too I love how you talkabout italian grandmothers My grandmother was half italian even though she was raised here Bernice Living the Balanced Life s last post The world really is at our fingertips Rana says February 18 2011 at 1 09 pm That is too funny I love the photos and can t wait to see more Rana s last post Have you seen this Heather says February 18 2011 at 1 37 pm Had a BIG laugh Italian grandmothers are the reigning monarchy here too Heather in New Jersey se7en says February 18 2011 at 1 46 pm Oh lovely lovely lovely I so love having a smallnotebook post in my newsreader And Italy photo s too I am teaching my one son some Italian phrases there is a little Italian granny at church long coat even in the stifling African heat and he likes to impress her with a new phrase each week We have a stack of library books planned for the weekend everyone reads while I do a major declutter and overhaul but gotta finish in a day because guests are coming for dinner I like a project with a deadline Deja says February 18 2011 at 2 23 pm p s Be careful to make sure you endorse your train tickets We went back and forth between Italy and Slovenia in Slovenia you don t always endorse your tickets there isn t even a machine for it So on our way back to Italy an Italian officer asked for our tickets then took my husband to the back of the train booth Next thing I know my husband is taken off the train I was so scared because neither of

    Original URL path: http://smallnotebook.org/2011/02/18/good-reads-reigning-monarchy-editio/ (2016-02-10)
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  • Essential Tool to Organize Your Digital Photos - Small Notebook
    look in the photos too liz s last post 10 years of blogging No really Liz says September 15 2010 at 7 35 am For me the key to using the delete key liberally is to load my photos to my computer frequently and delete right away If I wait for months or years then I become like your grandmother and every photo becomes precious in some way especially if the pictures are of my daughter who will never be that age again Beth says September 15 2010 at 7 52 am I have a huge box of printed pictures from years ago that I m not sure what to do with What did you do with yours Did you scan them all in or keep the prints and if so how do you store them Rachel says September 15 2010 at 9 01 am I have a shoebox size archival box of photos and I just left them in the box Maybe one day I will scan them Most of my childhood photos are at my parents house the cottage child says September 15 2010 at 8 56 am YES I m better now about deleting photos as I take them even when I know they re not good More difficult emails Next to impossible print photos I did however manage to part with all but a couple of albums worth of photos from childhood to marriage Including 38 of the 40 copies of my senior photo which was undeniably the worst picture I ve ever taken I only kept the ones I did because my kids insisted I have other pictures from the same week that are much more representative of me and more flattering Why do we do that to ourselves Jackie Lilolu says September 15 2010 at 9 49 am Delete is my favorite tool Rebecca says September 15 2010 at 9 07 am I totally agree The more liberally you use your delete key imo the better you will like the photos you do keep Like others I upload my photos frequently I generally put them in a folder specifically for pictures I haven t gone through yet Once a week or so I go through the pictures deleting moving to different folders and uploading them It works pretty well for me The two biggest problems I have are decided which photo I want to save when I have a bunch that look the same What a silly problem right Also I have trouble throwing away printed photos jessica says September 18 2010 at 6 12 pm sometimes I do a fun thing with printed photos that other people may enjoy If they are scenic or nice pictures and I just don t need them they may become notecards to give to that person For example my brother lived near Seattle many years ago after a nice visit and way too many scenic pictures I have copies I don t need so they became the front of some notecards I gifted to him one birthday or the girl I babysat for over 5 years as a highschooler I took nice portraits of her and scenic ones around where she lived including her dog who has now passed on I made notecards for her and gave them as graduation presents Just a thought if they are anything worthy of doing that with Marcia Francois Organising Queen says September 20 2010 at 4 48 am Jessica what a LOVELY idea I m going to do the same with our trips to Ireland I went a bit wild with pics of all the gorgeous scenery Marcia Francois Organising Queen s last post Let s talk bookshops Carly says September 15 2010 at 9 07 am Don t forget to back up all these photos A lot of auto back up services Mozy Dropbox both good dropbox you can also access your files away from home will back up a certain amount for free and then more for a small fee My dad s a computer consultant for small businesses and I can t tell you how often they ll come to him asking if he can rescue their personal computers with all their photos music videos etc Andrea says September 15 2010 at 9 07 am Thank you This is such helpful advice 40 photos a day I m going to do it And I AM NOT going to let my photos overwhelm me I repeat Paula Simply Sandwich says September 15 2010 at 10 14 am Thank you soooo very much for this helpful reminder Not only do I have a gazillion of my photos my teenage daughter s pix are on there as well It makes me crazy because I have to scroll thru allll of the pictures to find anything Going to take your 40 pictures day goal to heart Paula Simply Sandwich s last post Simplifying is Not Always Simple June says September 15 2010 at 9 36 am Thanks for the great post You ve inspired me to clean up my photos as well I m not sure I can do 40 a day but hey I might surprise myself By looking at your iPhoto you ve also inspired me to organize the photos I keep I like the way you ve named your events and it looks like an easier way to keep things in order Thanks Rachel says September 15 2010 at 10 47 am I love iPhoto When I got my MacBook it made things so much easier than sorting pictures into folders Maggie says September 17 2010 at 5 48 pm I use iPhoto and I like to delete but I don t think deleting in iPhoto deletes the actual file off my hard drive so it is still there taking up space Do you know how to get around this Rachel says September 17 2010 at 7 15 pm From the iPhoto Menu bar I click on iPhoto and then choose Empty iPhoto Trash and it does delete them permanently from my hard drive I ve cleared lots of space this way Maggie says September 20 2010 at 3 45 am thank you so much Maggie s last post Im so crafty Sarah says September 15 2010 at 9 37 am I used to be a Creative Memories consultant years ago and people would come in with BALES of photos blurry all black in duplicate and triplicate and they d take one look at the price of CM s products and just about fall over I can t afford albums for all of these pictures Well no and you shouldn t First you need to pare down to the really good photos then those are the ones that deserve to be preserved in a really good album Even working on commission I didn t want to see anyone spend their money buying high quality scrapbooks for 35 nearly identical pictures of a sunset One woman was trying to scrapbook the candids from her wedding you know from the disposable cameras on every table Oh my goodness She started with a stack of prints at least six inches tall and didn t even know where to start First we agreed on some qualities she wanted from the photos What was the point of having the cameras on the table To see people the photographer might have missed Okay so if a photo doesn t have a clear view of anyone s face can it be discarded That nearly halved the stack right there Then we talked about the arrangement of the photos in the album did she want to keep it chronological She did so we figured out how to divide the stack into each roll of film Then she could look at the piles see which had the earliest photo on top and by that collate them all together into one timeline Now we have groups 2 3 cake cutting photos from each camera 2 3 photos of the bouquet toss from each camera etc From those groups she decided how much space to allocate in the album and pared down to fit This continued for an afternoon and by the end she had all the best photos telling the story of her reception from the guests point of view And most importantly there wasn t anything missing The hundreds and hundreds of photos that didn t make the cut well they wouldn t have added anything to the story Junior s first haircut Three photos tops before during and after Progress on the room addition One a day absolute maximum And if all you did on day 23 was put a second coat of the same paint you put on in day 22 No photo Eiffel Tower From a distance up close with you in it panoramic from the top maybe maybe some architectural shots Think about how you would describe or caption the photos if at any point the description becomes and here s another shot of the Eiffel Tower I hate to break it to you but it has ceased to be interesting You can MAKE it interesting with good storytelling if you re actually making a scrapbook but if your screensaver or digital frame is just scrolling through fifteen different views of what is after all scaffolding you may find yourself explaining well you had to be there an awful lot Rachel says September 15 2010 at 10 51 am Yes Photo albums should tell a story Karen Scotland says September 16 2010 at 6 56 am Thanks this is a great comment I still have the photos from the disposable cameras at my wedding so this has been like a mini tutorial for me Ta Karen Jessica says September 19 2010 at 1 58 pm Love the post and this comment Sarah just helped me out in such a big way I have bins and bins of photos in my storage room My husband keeps telling me to put them in nice albums for everyone to enjoy once and awhile and the thought of putting every photo in an album is just daunting I never really thought about the album telling a story LOVE THIS I think I might get started on those bins tonight I can only imagine how many will be going in the trash Probably 75 of them Sarah says September 20 2010 at 9 14 am My aunt had a hall closet absolutely stuffed with stuff mostly photos that she felt obligated to put in albums for her adult children We made five piles before kids kid 1 kid 2 kid 3 and other BUT to get to those piles she had to pass the recycling bin As she went through the closet it got easier and easier to discard things Later one of the kids came over She was expecting to hear how could you throw out but what she got was I m SO GLAD you re finally getting rid of Melanie says September 15 2010 at 10 45 am For some reason I require permission to do simple things like not finishing a book or this deleting of photos Thanks for signing my permission slip off to start my picture field trip Melanie s last post Review Strangers at the Feast by Jennifer Vanderbes Rana says September 15 2010 at 10 49 am Your timing on this is great This is on my Todo list for tonight I have taken thousands of pictures over the past year and I had been in the habit of deleting and naming files and somehow along the way I stopped doing this So I am getting back into the habit of keeping up with my photos Rana s last post Monday Monday amy b says September 15 2010 at 10 49 am what program do you use to view your pictures that seems such much more simplified than my view of my pictures i ve spent this year deleting years of digital prints i agree it s sooooo much better i d love to use the same program you do Rachel says September 15 2010 at 10 52 am It s iPhoto from Apple I highly recommend it I don t know what the best programs are if you re using Windows the cottage child says September 15 2010 at 2 25 pm We use PhotoScape also free just download It s simple which was mandatory Jennifer says September 15 2010 at 2 21 pm I use Windows Live Photo Gallery It is free you just have to download and install It has some basic editing functions red eye straightening cropping and basic color editing It makes it pretty easy to sort pictures and view by folder by date by face by keyword tag Faster finding means faster deleting jessica says September 18 2010 at 6 16 pm picasa works well for windows also Kait Palmer says September 15 2010 at 12 05 pm Ooooh its SO hard for me to delete I just started going through pics from my college years and trying to weed out the excessive ones or the ones that didn t compliment ANYONE With my computer and hard drive filling up fast I m now trying to delete as soon as I download them I try to think of my nonexistent kids looking back on them in 50 years and if they would really want to see 250 pictures of our dog they never knew and keep the 5 or 6 of the bunch that are the best Kait Palmer s last post Travels to Canada Return to Whistler Denise C says September 15 2010 at 11 06 am My husband is the photographer in our family I however will see all the photos on his computer I m the one who will email them out to family ones that are horrible especially of me go bye bye He has never noticed them missing Whew Maggie says September 15 2010 at 11 06 am I ve learned to delete right from the camera before it ever gets to the PC I don t download more than once a week which gives me time to go over the photos and say to myself What on earth was I thinking I also go through photos I did download to a 4G jump drive sick thumb drive call it whatever quarterly The same question usually applies Amy says September 15 2010 at 12 16 pm And to add to that don t forget to empty your recycling bin when you re done I just did and freed up a gig and a half of memory Amy s last post Reunions Tracey says September 15 2010 at 1 07 pm A critical tool indeed Tracey s last post Candy Corn Wreath Crystal Malek says September 15 2010 at 12 52 pm This is soooooo one of my weak spots I tried to get organized with my thousands of pics and actually print them I went year by year and stopped in 2005 I m so behind it s ridiculous But I hardly delete ANY Not sure why I probably think I might need it for something but you ve brought up some excellent points I m going to start deleting them as soon as I upload and then try to get caught up over the next decade or so se7en says September 15 2010 at 2 08 pm Oh funny post I am loving the comments I have to delete so many bazillion photographs I have always been a little ahem trigger happy And 300 photographs a day is really not that uncommon Talk about true confessions I load them up at the end of the day I also use iphoto so they straight away go into relevant events I label them as I load them up I select the ones I need for that day or that weeks blogpost and send them up to flickr I don t spend hours deleting everyday I just can t delete them straight away I do have delete weeks when every time I sit at my computer during a particular week I delete 100 photographs easily 500 a day many more on weekends Oh it is liberating Great chunks gone Otherwise not only do I store my faves on flickr but I have a back up drive just for photographs every friday night it gets a fresh load se7en s last post Sunday Snippet Esther and God s Invisible Hand A GiveAway Vicki R says September 15 2010 at 4 24 pm Great timing I m just trying my hand at digital scrapbooking it is seriously overwhelming I too did this wish my actual photos now they are all organized ready to scrap in one box I love it A lot of them were tossed because I couldn t remember specific names of people anymore The suggestion of deleting a certain number of photos at a time is great Vicki R s last post Healthyer Habits Breakfast Part I Laura says September 15 2010 at 4 16 pm I recently did this but with my old non digital film photos I was able to condense 5 boxes of photos and negatives to 3 and 1 2 boxes just by tossing out blurred photos bad shots duplicates etc I am also working on getting old photos out of the bad magnetic page photo albums I was able to condense 3 old albums into one scrapbook album because the 12 12 albums hold so many more photos per page Lisa says September 15 2010 at 7 16 pm I find that I have a much easier time deleting photos if I do it right away If I wait too long even just a few weeks my kids will have already changed and I find myself more attached to each and every photo of their

    Original URL path: http://smallnotebook.org/2010/09/15/essential-tool-to-organize-your-digital-photos/ (2016-02-10)
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  • $30K to $0: How We Became Debt-Free in One Year - Small Notebook
    married soon to my fiance of almost 8 years and every single one of our friends tells us that going into debt over a couple hours of one day is NOT worth it At least half have told us to go to Vegas and the other half told us to spend all the on the honeymoon and make the wedding small Melissa s last post The Little Table That Was Stained Chelsey Brown Eyed Basics says October 13 2008 at 6 44 am As someone who s about to get married to a wonderful guy with 15K in student loans this was incredibly encouraging I love that you see marriage as what it is two becoming one and that you worked together to pay off the debt Thanks for sharing Chelsey Brown Eyed Basics s last blog post A Do It Yourself Guide to Weight Watchers MouthyGirl says October 13 2008 at 7 47 am My boyfriend and I live together and have our finances meshed and it drives me buggy He is very frivolous and I as a single mom have learned to be very penny pinching and he having always been just him not so much he eats breakfast and lunch out happy hour once a week and lunches out are in sit down restaurants requiring tip it s about 100 a week he spends The last three years were sort of carefree and I was hoping he would slowly become more responsible very foolish of me but now I m worried that he ll never grow up with regard to money However lately I have taken steps to let him know that financial responsibility is also important for him I told him a few days ago I was going to separate our money and open a different account if he didn t start controlling himself there s only so much reminding I m willing to do and he seems to have gotten the picture We shall see great post MouthyGirl s last blog post GirlFriday Contest Coming SCQT says December 2 2009 at 11 15 am Do not separate your accounts Sometimes having separated accounts can cause many arguments for couples when the other partner is curious to know your spending habits May I suggest you setup your online bills to pay off your so you won t have to worry about the deductions I will contribute a bit more to the minimum payment if it s 50 mo give them 80 You ll see your debt disappear in no time Good luck and you can do it Kaylen says September 19 2011 at 1 15 pm I would say the opposite you aren t required to share accounts I would separate the accounts so you can continue to be responsible with money and so your boyfriend s frivolous waste does not impact your finances Let him pay for his own mistakes he won t change until he wants to Kaylen s last post I Forgot The Crock Pot girlinoregon says August 12 2010 at 9 30 pm Sounds like you ve got enough on your plate to take care of yourself and your kid s The boyfriend is acting like another kid for you to take care of that should be a big red flag Your experience with him is telling you that he s not responsible with his money or yours It may seem he s gotten the picture but personal finance is 80 behavior and his his track record states clearly who he is in this arena You are correct to separate your accounts and not combine your finances Don t just threaten him follow up and get it done You re not married so either of you can walk away at any time no matter how much in love you might be now Kaylen says September 19 2011 at 1 15 pm I completely agree Kaylen s last post I Forgot The Crock Pot Avlor says October 13 2008 at 8 24 am Your story is so fabulous So many people see debt as a way of life It s always going to be there I love how you two were so unified in the decisions and the work to get it done Congratulations Avlor s last blog post Wii Fit Update smallnotebook says October 13 2008 at 8 30 am Southern Gal our wedding was low budget and paid for with cash We just wanted to get married we didn t want to have a big expensive wedding It was in the afternoon so we had light refreshments instead of a meal Choices like that helped us with the budget Monica says October 13 2008 at 9 03 am At one time we were debt free except for our house Circumstances have changed somewhat since then and we are no longer debt free but it is always our goal I am very thankful that my husband and I are on the same page with finances We are both very good at not spending Monica s last blog post Birthday Fun Blessed says October 13 2008 at 10 28 am We re working on doing this thanks for sharing your story it is encouraging to read that someone else was able to do it while you re in the middle of trying Blessed s last blog post What I Am Doing Right As A Mother SDC says October 13 2008 at 10 46 am You guys rock We don t have debt but honey has a second job for 6 months so we can chalk away some major money for a move oversees At first it s hard to say no to things you want but with a little practice it is sort of empowering isn t it Thanks for sharing your story SDC s last blog post Fireproof holly says October 13 2008 at 11 15 am My partner and I started married life very similarly We chose to pay off his debt in cash savings I had and since then have been following a very good piece of advice you have up there we put all the money he earns directly into our savings account He s going to stay how with our kids when we have them but we re alread used to living on my income alone Thanks for sharing Deb says October 13 2008 at 12 14 pm Awesome We had 35K we paid off in 2 years using some of the same methods The best piece of wedding advice we ever received was to live on one income from the beginning Now look I m able to school th e children at home What a blessing Andrea says October 13 2008 at 12 46 pm Great work We started marriage with nearly 200K in student loans Thankfully we have it almost all paid off now That is mostly because we DID buy a house though We were fortunate enough to buy about 5 years ago and when we sold the place 18 months later we made enough to pay down a hefty chunk of student loans Praise God Of course in this economic climate that won t be happening again Thanks for the post Andrea s last blog post Little Caesars betsy says February 22 2011 at 11 03 pm this is so amazing to hear my husband and i will both be graduating from grad school in may and together will have about 200 000 in student loans i have a job lined up and we already plan to live off one salary as my husband doesn t have a job yet how long did it take you to pay off so much student loan interest rates are no longer very good as they were in the past so i am afraid we will be in trouble Julie says October 13 2008 at 1 46 pm What an inspiring story Thank you for sharing it with us Julie s last blog post Gracia Fraile says October 13 2008 at 1 51 pm Wonderful story I brought a 1 000 loan to our relationship and that was it for both of us no student or credit card debt Since is a government given loan you get interest free loans if you re a student purchasing a new computer we ve decided to keep the stipulated payments instead of paying it off early If we ever have extra money on top of our emergency fund we may reconsider but until then this is it However I hear Doug on feeling that money that is not yours When we bought our furniture and appliances we used some of Eric s savings instead of paying with a credit card Dana Letters to Elijah says October 13 2008 at 2 36 pm What an encouragement this post is I love that you two treated the debt as debt no matter where it came from School debt is still debt There is no such thing as good debt Thanks for Sharing Dana Dana Letters to Elijah s last blog post A Good Investment Emma says October 13 2008 at 5 12 pm That was so fun to read Thanks for sharing your story it is so good to know others have been through it and have come out the other side Sometimes it feels like we re treading water but I know we ll get there eventually Emma s last blog post Dollars and sense Dani says October 13 2008 at 5 53 pm Our story is a lot like yours except the roles are reversed I was the one that came with a lot of debt and am not the best financial manager My husband on the other hand seems to be a whiz at it Working together we have cleared quite a bit of my debt leaving mainly student loans while saving money and paying for our wedding Like yourself we chose a small wedding and paid for it mostly with some savings and my Christmas bonus Thanks for sharing your story Dani s last blog post I m No Riddler Vintage Mommy says October 13 2008 at 11 35 pm We re in a different situation We re older so our student loans were paid off a while ago We ve mostly lived debt free other than the mortgage until recently and it s very stressful I have a plan laid out to be caught up by the end of 2008 which feels great but we still won t have a lot left over each month I love the idea of living on one salary even with both working that inspires me Vintage Mommy s last blog post Our Adoption Story Part 1 Tsh says October 14 2008 at 6 56 am Love this Rachel I m sure you ve inspired so many people to do this and that it CAN be done So many people just assume debt has to be a way of life that it will never go away What a bondage to carry that around for so long How freeing it is to be a debt free Mrs S says October 14 2008 at 6 58 am That is fantastic We are currently working our way out of student loan debt ourselves I am a SAHM so it is going a bit slower with one income but we are closing in on it within the next year or two I wanted to thank you for your no spend month series I just found your blog this week and perused the archives I have wanted to do that for a while but with a new baby I put it on hold I was re inspired reading your series and have started one of my own if you are interested http dailyreforming blogspot com 2008 10 introducing no spend months html I am so happy to have found your blog and your description is perfect a very encouraging blog Blessings Mrs S Mrs S s last blog post Introducing No Spend Months Lauren says October 14 2008 at 9 05 am 30k in a year is amazing Congrats Your story reminds me so much of my own I married debt too and we have had our finances combined since we started living together almost 4 years ago At the end of the month we will have paid off everything except for his student loans and our condo which we have to pay PMI on since we have less that 20 equity Our goal is to get out from under PMI by my birthday next September The interest rate is so low on the Student Loans that it doesn t make sense to pay them off early Lauren s last blog post Writer s Block Mama Koala says October 14 2008 at 11 57 am Thanks so much for sharing your story We are working our plan to be debt free and expect to be there in about 19 months I m inspired by your story and encouraged to stay the course Mama Koala s last blog post Tag I m it TabbyinTexas says October 14 2008 at 1 19 pm I m so glad you are spreading the word about how wonderful it is to be debt free As a young girl I had every credit card available I learned the hard way but now if it s not in the bank i can t afford it what ever it is I love seeing my nest egg grow and not having to worry about bills PARENTS TEACH YOUR CHILDREN ABOUT MONEY TabbyinTexas s last blog post 14 Oct 08 girlinoregon says August 12 2010 at 9 35 pm My husbands parents were and are very tight with their money They put 40 of their income into savings and did without a lot over many years His father had the mentality and memories of being a boy in The Great Depression All three kids have trust funds from their grandparents and will inherit much when the grands and parents have passed They were lectured about money the entire time they grew up and are still given much unsolicited advice as adults None of this however equals TEACHING because they ve ALL got plenty of debt and didn t learn anything but to be insecure and buy things to try to fill the gaps Frugal Angie says October 14 2008 at 2 51 pm We too are just about to be debt free There is a light at the end of the tunnel Living frugal was not an option at first After we married and moved I didn t have a job So we were living off of a straight out of college income and made a decision before we married to STOP using credit cards If we didn t have money in the bank we didn t buy it Thank goodness for Wal Mart gift cards at the wedding After about a year when our financial situation was 100x better our frugal habits were just that HABITS Our spending habits stayed the same even though our income increased Now we have the choice to live differently but I still shop garage sales craigslist resale and very seldom pay full price for anything that isn t grocery items I m in control of my money and am not slave to the monthly payments Southern Gal Small Budgeted weddings are the best Be creative make a list of priorities and recruit friends and families to help with everything food cake flowers pictures dresses etc thursday says October 14 2008 at 4 21 pm Great post It takes a lot of work and sacrifice to pull yourself out of debt like that I ve always despised debt and only now have my first loan It freaks me out to have it it s a car loan and I m planning on paying it off as early as possible but I think I ll be ok Although I think I spend too much and need to cut back I ALWAYS pay off my credit cards as soon as the bill comes in And I always have I still use the cards but I don t buy things if I know we don t have the money in the bank Your post reminds me though that there is more I can do to get myself back on track thursday s last blog post To the Loop and Back Steph Problem Solvin Mom says October 14 2008 at 8 12 pm I love how you wrote this together and your story is very inspiring We also live on one salary so that one of our paychecks goes pretty much directly to savings and if something would happen to one of our jobs we wouldn t be immediately in financial stress I want to go part time or stay home at some point and the money we are putting away now will help us reach that goal as well You are setting an excellent example for your children congratulations Steph Problem Solvin Mom s last blog post Looking for healthy snack ideas Lori says October 15 2008 at 11 05 am It can be done when you make it your main focus and priority Life is so much easier knowing that I don t owe anybody and in a pinch I can live in the car that I own Not that it would be comfortable for two people and two cats to live in a Corolla WhenIGrowUpCoach says October 16 2008 at 8 52 am I ve been married for about a month but it was my husband who married debt While he s the one with the savings and the 401K I m the one with a negative net worth I wish that he would commit to saving more with me we ll get take out fairly often as he makes money and wants

    Original URL path: http://smallnotebook.org/2008/10/13/30k-to-0-how-we-became-debt-free-in-one-year/ (2016-02-10)
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