Welcome to Budget and Bliss, a small piece of the internet where you will find inspiration and motivation to live a happy healthy life on a budget.
Have you ever tried writing a monthly budget but felt restricted? Maybe you followed your budget for a week or two and then overspent somewhere and just threw it all away. I can relate. What if I said you could live a happy healthy life without feeling restricted?
Hi, I am Sara. In the early years of my marriage, I had no clue how to budget and create a plan for my family. It took my husband and me six years of spending more than we made and racking up more than $84,000 in consumer debt to finally get a handle on our money. Now, we create a monthly plan, track our spending, and live a life we enjoy.
I remember finding the book The Total Money Makeover by Dave Ramsey about a year into our marriage. I came to my husband with this grand plan to get out of debt (we had about $10,000 at this point) and pay off our house within 7 years. He thought I was crazy. Maybe I was a little crazy at that point. We had never lived on a budget before and we were barely making ends meet. There always seemed to be too much month left at the end of our money. Unfortunately, we lived this way for six long years.
We used debt as a tool to feel less restricted. We could spend a few hundred dollars and only need to pay back $25 or $50 monthly. However, the debt grew because we weren’t paying down the balances. In July 2015 when we started taking our budget seriously and actually began the Total Money Makeover we had a mortgage, truck loan, a travel trailer, student loans, fourteen credit cards, a line of credit, and a timeshare. We spent money, a lot of it, and none of it was actually money we had in the bank. Our finances were spread so far thin that it was hard to breathe.
We are now more than halfway through paying off our consumer debts and while we are still living on a budget we have let the reigns loose a bit. You can only go so long with a super tight budget and live on beans and rice. This is where the YNAB (You Need A Budget) principles come into play. Now, we budget and plan accordingly each month but we also plan to live life a little bit. There is a small budget for eating out (honestly we all need a break from the kitchen every once in a while) and we have a personal allowance (it’s not much but it gives us a bit of freedom to spend on something we each want). We have worked hard over the last three years to eliminate $50,000 in debt and are currently still working on the remaining $34,000.
While our debt free journey is not entirely complete I have learned so much along the way that I want to share with all of you. I truly believe we can all live a happy healthy life on a budget. It takes a lot of hard work and can be frustrating at times but it is well worth the journey.
About Budget and Bliss
In early 2018 I decided I wanted to share our story with others. I want to help inspire other women to live a happy healthy life on a budget. I am here to show you how we live in a way that allows us little luxuries in life without breaking the bank.
Smart Money is where you’ll find inspiration and motivation to live a debt free life. Maybe you are just starting your debt free journey and aren’t sure where to start – we’ll help you with that! Maybe you have been paying off debt for a while and are losing steam in the process. I get it, and I will provide inspiration to keep you going.
Everyday Life is where you’ll find inspiration and motivation in the details of life. I’ll share lifestyle topics with you about living a happy healthy life. We’ll talk about essential oils, meal planning and grocery shopping, holidays and events, as well as everything in between. When you start talking about money you realize how much it impacts every other area of your life and that is what we will be talking about here. It all comes full circle in everyday life.
Blogging is where you’ll find inspiration and motivation to start your own blog. I’ll share what I am learning along the way and how I am growing my traffic as well as earning money. I believe anyone can start a money making blog and I want to help you get started.
I hope you’ll grab your favorite beverage and stay for a while. You’ll find inspiration in every post to help you become debt free while living a happy healthy life.