Our Debt Story Pt. 1 – How We Found Ourselves $35,000 in Debt

Debt is dumb! Sharing the story of how we got into $35,000 of debt and how we used financial peace university to begin a debt free journey and get out of debt! #lifeofstones #financialpeace #daveramsey #debtstory

Life of Stones originally began as a debt-free blog. You see we have been on a scary, amazing and blessed journey the past few months and by the grace of God, we are almost debt-free!  I felt compelled to take the gifts we had been given and pay it forward to help other families just like us and I decided writing a blog about our journey was the way to do it.


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My husband and I have been married for almost 14 years now and we have been broke from day one. We were lucky if we had $50 between the two of us when we opened our first joint bank account.  We got engaged quickly and spent our whole engagement saving for the wedding!

We both had decent jobs and lived above my in-laws 3 car garage, which my husband had turned into a cute little apartment (and they let us live there for next to nothing).

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Soon we bought our first house and boy what I wouldn’t do to still have that teeny tiny cute little mortgage!  We had our first child while living in this home and the thought of putting her in daycare broke our hearts.   While I was on maternity leave we decided I would not return back to my job.

Shortly after we decided to sell our house and move to a nicer neighborhood.  In hindsight, I think this was really our first big financial mistake since it doubled our mortgage!


Debt is dumb! Sharing the story of how we got into $35,000 of debt and how we used financial peace university to begin a debt free journey and get out of debt! #lifeofstones #financialpeace #daveramsey #debtstory


We liked that house, hated the neighborhood, had another baby, I went back to work full-time and we quickly decided to move.  Again?!  And guess what?  Yup, the mortgage almost doubled again!  But, ya know…hindsight and all that stuff…

We were making around $100,000 and had no money.  Ever.  What we did have was a pretty big mortgage, student loans, two car payments and maybe some small credit card balances.  We would pay them off every so often with tax returns, etc.   But never any actual money.



Then we had the brilliant idea that I would leave my job to be home with the kids.  I mean, do you see a pattern here? Honestly, it was the best decision and a LOT of thinking went into it, it was not a decision made lightly and I believe that decision saved our marriage so I don’t regret it…BUT it put, even more, strain on an already stressful situation.

We were house poor (and we didn’t live in a mansion).  We were car poor (and we didn’t drive luxury cars).  I’m skipping a lot here but most of you already know this story all too well.

Enter: Dave Ramsey and this amazing program (cue royal fanfare)

He saved our family.  He saved our marriage.  He is my financial mentor and BFF.  He is one of my favorite people.  I love everything he stands for and I’m so grateful for his ministry!

Because of him, we have made leaps and bounds towards financial freedom (we still have a ways to go)….because of him we finally have hope for our future!

Check out my Begin to Budget Bundle to help you create a budget you can actually stick to!  I created this bundle based on the exact system we used to pay off $54,000 of debt in only 22 months! This 29-page printable budget binder will help you organize your finances, pay off debt and save money!

Don’t know who this magical man is?  I could go on for days so instead, I’ll suggest you just google him! And if any of this post struck a chord with you please do yourself a huge favor and grab one of his books!

I promise you that if you read with an open mind and {more importantly} and open heart it will put you on a path to change the entire trajectory of your life.  Promise.

My favorite book was Dave Ramsey’s Complete Guide To Money but The Total Money Makeover is a really great start too!

Happy to have you along with us on our debt-free journey!  Let me know below if you are also on a similar journey? Don’t forget to check out my new Begin to Budget Bundle to help you get started budgeting today! 


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  1. Ooh that garage apartment sounds nice! We decided to move in with my parents to get a jump start on paying off our student loans- now that we have real adult jobs and salaries and can! BUT we are just in a bedroom upstairs, I wish there was a garage apartment! But when looking at our debt total, it is worth it!!

  2. I love Dave Ramsey and his ministry! We’re working the debt snowball, again. My story is a bit different from yours, but our goals are the same. Financial freedom. It’s been a while since I’ve listened to Dave. How does his book, The Complete Guide to Money differ from The Total Money Makeover?

    1. That’s so great Melissa! Honestly, I think they were pretty similar…Complete Guide To Money was (from my understanding) almost like a textbook for Financial Peace University, b/c it had a lot of the same anecdotes and really went along with the class!

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