Your Journey to Financial Freedom Starts here
This blog is all about documenting the journey to achieve debt-free life consciously and creatively one day at a time.
Here you will find:
- Simple, frugal and minimalist ways to live a more sustainable and debt-free life by earning, saving and spending consciously
- Easy and nutritious recipes made with real food
- Ideas to reduce clutter and simplify everyday life with special productivity tips
- Every once a month or so, you will get snippets of my family’s food hauls, no spend challenges, kitchen musings and random fun stories
- Our experiences as we take a fun-filled ride on this debt-free adventure. We understand that it is going to be challenging and I will share those challenges with you every step of the way. You will get to read what we learned, what worked and especially what did not work for us.
In short, this blog exists to keep us accountable in our desire to find a slow life that is frugal yet rewarding!
And above all, I feel there is something here for everyone. This is going to be exciting. So stick around!
Would you like to start taking charge of money?
Money and everything related to it is the foundation of getting financial freedom. But, our modern society only talks about money from the perspective of earning more, owning more and doing more just to be able to live a happy life. But in reality, the happiness does not depend on the amount of money you have. Ask the millionaires out there, if they worry about the money. The happiness is in knowing that you have enough education about where your money comes from and do you have a system to save, invest and access it when you need to.
Use this simple budget system to take charge of your money now!
Hello and welcome to my little piece of the internet. I am Dee. I started this blog in order to document our frugal debt-free adventure in downsizing our life.
I write from my own experiences, struggles and opinions. Many times on this blog, I refer to my life partner as Mr. CD and may write about his views (with his permission, of course). Since this is our family’s frugal journey, I may also share our joint opinions and represent them as “we”.
Now that I sorted this out, let me share a brief story about me and my family.
I’m a 30-something woman married to a hard-working and a born minimalist, who is the main force behind out simple frugal lifestyle. Long before this whole F.I.R.E (Financial Independence, Retire Early) movement started, we both followed Frugal Lifestyle that is so popular at this time. Now you will ask me what is F.I.R.E movement? Contrary to what you hear in the news, it is not just about extreme frugality, being cheap, clipping coupons, or depriving yourself of fun. It is not about constantly working on side hustles to quit a 9-to-5 job, living in a tiny home, pinching pennies and cutting corners a.k.a cutting the cable ( seriously, I wonder how many folks still have the cable?). It is about being mindful of and aware of basics of Finances that govern the most important areas of your life.
We are not a typical frugal family.
We live in a smaller and older house but drive a new and bigger car. And we do not fret over the mortgage for both of these necessities of life. We do not mind living with used furniture but spend way more on continuing education than any family’s average education budget. With the help of in-demand skills, we want to create more passive income streams.
We do not pinch pennies and coupon excessively but still manage to keep our monthly grocery bill consistently below $150-$180 a month. We do not use cash envelopes but use credit cards ( as debit cards) only for our needs and true wants. Note- Cash envelopes are still part of our life for discretionary spending ( like planners, craft supplies and books- Credit cards wouldn’t cut it for this category) Read more about it here.
We rarely shop sales but get amazing satisfaction from the annual best deals on Black Friday and Cyber Monday once a year. Read about our Black Friday Cyber Monday Wishlist here.
We do not cook once a month and freeze food to eat over the whole month. But we believe in keeping our pantry stocked with frugal whole food essentials to stretch our dollar and prepare for any emergencies. We shop fresh local food and cook fresh food daily at home. Both of us love cooking, not the cleaning part. I am a proud lazy housewife. Occasionally, we love to splurge on eating out without guilt. This is possible because we keep our budgeting very simple and practical. Most importantly, we do not fight about money decisions or nag each other about breaking the bank with senseless spending.
We still have some critical discussions on where to invest the money but for the most part, we know each other’s risk appetite and work around it to learn about various financial markets as much as possible to keep the risk down and maximize hedging.
We are not extreme minimalists in any sense as we own decent amount of clothes and accessories ( I definitely own more than I will ever need- Since 2021, I have switched to Capsule Wardrobe and got rid away 90% accessories). In fact, kitchen is one place where minimalism is strictly prohibited.
We own way too many digital gadgets including computer monitors, hard disks, etc. It is a real struggle for us. But we are committed to further de-cluttering this year. Ditto for books. E-books are good space-saving options. I do own them but I just can not part away from my hardcover books. Hence bookshelf is on our wish list for Black Friday deals.
So, in a sense, we are just enough frugal to fall into the definition of F.I.R.E lifestyle.
We enjoy our life with available resources at our disposal but at the same time, we don’t necessarily fall into extreme frugality to limit our chances to gain life’s rich experiences.
We both spent a major part of our 20s in traditional universities gaining bachelor and master degrees without paying a single penny for student loans, thanks to our amazingly talented and frugal parents.
We are both dreamers with an equal passion and even more determination to work on our dream to retire early. And by early, we are thinking of our 50s. We are also big believers of green, sustainable and god centered living. One day, we are sure to live on a fully productive and rich farm land totally debt-free. We have not figured out how it will happen and what we must or must not do. But we will try to be more conscious of making an honest living from our skills. Because more skills are more money. This blog is our honest attempt to document this journey.
So far, we have learnt a great deal about sustainable debt-free living from our family, friends, and other amazing bloggers. Their personal finance stories give us motivation, inspiration and a good nudge to keep our life in order. So many times in the past, we got saved from making expensive mistakes. We also learned from some of our own mistakes. In the last few years, we managed to cultivate a few frugal ninja habits that have kept us afar from unnecessary consumer debt. These habits do not make us feel deprived of anything we don’t need.
Now, it is our chance to give back to others who are struggling with a chaos-driven, consumption-oriented, debt-haunted fast lifestyle or those who are already on the road to reduce consumption seeking a slower-paced life with financial independence.
Here on this blog, we will share our ups, downs, challenges and small wins. This year we are working on saving $10,000 to grow our Emergency Fund. We intend to make this journey fun, filled with flexibility to chose our own financial freedom and rich family experiences. We hope you join us in this family and share a conscious debt-free life forever!
Don’t forget to browse around and get more money saving tips on this blog.
It is good to have you. Thank you for stopping by!
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Are you a blogger?
I would be delighted to collaborate with other bloggers! If you are a blogger and you have an idea for a collaboration of any kind, please get in touch with me at firstname.lastname@example.org. I would love to hear from you!
Linking- Conscious debt free life does not do link exchanges, link-ups or paid links of any kind. All emails of this nature will be ignored. However, please contact me to collaborate on frugal living ideas.
Do you want to share your frugal living story with readers of this blog?
If you are the reader of this blog, I would love to interview you on your debt-free journey for the Inspiring Families Series. If interested, please contact me at email@example.com. You never know who will get inspired from your story and save themselves from stresses of daily money struggles.
Are you a brand or a small business owner with sustainable handmade products?
I love supporting local small business owners and crafts creators. If you would like me to write and post a review of your product(s) on this blog, I would love to hear from you! I am always open to trying new products and you can be sure that my review will be in-depth and 100% honest.
I have a strong preference to work with small business owners that adhere to the following criteria and values:
- Eco-friendly and Sustainable
- Locally made- handmade products are always appreciated and loved
- Fairly traded, organic
If some or all of the above apply to your product(s) and brand, and you want to discuss the possibility of a review, please email me directly at firstname.lastname@example.org
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I am not an expert in personal finance or in homemaking. I am also no physician, physiologist, nutritionist or any manner of “-ist”. I only advocate the information based on my experiences, observations and an ever-growing appetite for knowledge. Many tips and strategies mentioned on my blog may or may not work for you or your family or friends. I invite my fellow readers and learner to reflect on the content and modify your approach to living frugally and sustain-ably.
When it comes to making a wise financial and health decision, please consult a certified financial planner and your doctor. Check all my Disclaimers here