Hey there, friends!
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 a teacher turned accidental blogger, and my biggest passion is inspiring others in their finances.
I count it an honor to inspire others and to teach them (go figure!) how to simplify their finances and manage their money well. Over the years, 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 because I have been able to control my money and make it work for me, instead of the other way around. 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.
If you are wondering how exactly I will do that, you can start by heading to my “Start Here” page.
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!