Hey there, friends!
Welcome to SimpleFinanceMom.com, a place that strives to simplify finances and help you manage your money and turn your financial dreams into actionable goals.
I’m Krystal, just a regular mom to two of the most hilarious girls. A few random things about me – I’m addicted to Carmex. Color-coded planners are my life. And Dr. Pepper is my love language. In that order.
I’m kind of a teacher turned accidental blogger, but that’s a story for another day. Over the years, I realized something new about myself. I love helping others with their finances. Several friends and family members have asked me for advice about budgeting, paying down debt, saving. You name it.
Not because I’m some financial guru. And definitely not because I have a degree in accounting or economics. Hello, I’m just a teacher! But one of my biggest passions in life is inspiring others to manage their money well. I truly believe when you manage well, you live well.
Although that wasn’t always the case…
A little bit about our story
A few years ago, my husband and I owned a home, had two very young daughters and had more monthly debt payments than we knew what to do with. Mind you, this debt was “good” debt by many people’s standards. Student loans, car payments, medical bills, and a small credit card balance for grad school textbooks.
At some point, we realized this “good” debt was not so good. It was literally killing us. We were tired of living paycheck to paycheck, some months not knowing how we were going to cover everything. My parents introduced me to Dave Ramsey (thanks, Mom!) and I read everything I could about his principles.
Determined to work our way through the Baby Steps, we declared war on our debt. And finally, after years of forsaking today’s pleasures for tomorrow’s dreams, we won that war!
We paid off over $80,000 of debt and have given like never before. Now the only debt we have is our home, and we will never again go back to the toxic cycle of minimum payments that is oh-so-normal in our culture. We are building up our emergency fund, and looking into more investment options for retirement and college savings.
At SimpleFinanceMom.com, my goal is to empower you to do the same! My heart is to make managing money as easy as it should be. To encourage you to find a budget that actually works. To simplify savings. To educate you to take the first steps to plan for your retirement.
On top of sharing tips and strategies that will help you in your money management, I will also be writing about our experiences with Dave Ramsey’s teachings. “Blogging through the Baby Steps,” if you will.
Basically, I want to teach you everything you need to know about finances in everyday, ordinary mom-speak. No fancy financial lingo here. My goal is to make managing money less intimidating. Finances don’t have to be overwhelming! If anything, the simpler they are, the better results you will get.
Some of the things you will read about here at SimpleFinanceMom.com, are…
-Tips and tricks for sticking to a budget.
-Our debt free story and the steps we took to make it happen.
-Strategies that will help you pay off your own debt.
-Ideas for building up your savings.
-Emergency funds: how much to save and where to keep them.
-Investing for beginners.
-Managing time and life well on a budget.
If you are tired of worrying about money all the time, I hope this becomes a place of inspiration and encouragement for you! I would love to know the things you most struggle with so I can better meet your needs. What are you most stressed about in finances? Are there things that keep you up at night? Chances are, many others feel the same way!
Some of my top posts that might interest you are….
Do you want to know my favorite part about our newfound financial freedom?
This freedom in our finances hasn’t been just a blessing to my family. It has also given us the opportunity to bless other families as well.
We have helped provide funds for friends’ monthly mortgages. We have paid for others’ car repairs. We have sponsored friends to go on missions trips. We have taken people in to live with us, sometimes for a few weeks, sometimes for months at a time.
In this journey to financial freedom, I’ve learned that life is not meant to be lived to pursue wealth and riches. It’s meant to wisely manage what you have and to save for the future, while also living with an open hand, willing and ready to bless others.
Having a purpose in your finances will keep you motivated, and encourage you to think more about tomorrow than you do today. If you are ready to pay off debt, budget wisely, build up savings, and invest for retirement, I would love to help you on that journey!
Won’t you join me?
*P.S. Interested in free finance printables that will help you manage your money and organize your finances? The Simple Finance Toolkit is free to anyone who subscribes to my newsletter. It includes freebies that will help you set financial goals, manage your budget, track your savings, monitor your spending, and more.
Enter your email address below and I’ll send you a link to get FREE access to the Simple Finance Toolkit. Download to your heart’s content, and get your finances organized once and for all!