Living debt free, the secret to cooking from scratch, and how I plan my days
Get your first purchase from Blueland for 15% off by clicking my link www.blueland.com/simplefarmhouse!
I’m sitting down to answer your questions about finances, cooking from scratch, and minimalism! If you have been around here for long, you know I am passionate about debt freedom. I’m diving into our financial mindsets and the major pitfalls we avoid as a debt-free family. I’ll also explain how cooking from scratch is the best way to stretch your grocery budget and how minimalism is a non-negotiable for us as a family of ten!
In this episode, we cover:
- How monthly payments create financial traps and sabotage your long-term goals
- Considering the opportunity cost of carrying debt
- Making unpopular sacrifices to maintain peace in your finances
- The surprisingly simple answer to saving money on groceries
- The key to keeping meals on the table in your from-scratch kitchen
- Organizing my time for maximum efficiency in my business
- My strategy for maintaining minimal wardrobes for our large family
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Lisa Bass of Farmhouse on Boone
Blog: www.farmhouseonboone.com/
KZhead: / farmhouseonboone
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Join us in the Simple Farmhouse Life Facebook community: / 748012922264552
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You are so amazing! You remind me of my mother. She had 11 children and my dad always said she could put on a meal faster than anyone he knew. One story you might like: there was time in our lives when she would get everyone dressed for church, send them all to the car with my dad, then she took 2minutes to get ready herself. True love. She always put my dad and the kids first. She never asked for anything except to die in her own home. As you can imagine, we made that happen for her. She died at the age of 100 and we took turns caring for her. She had a rousing birthday party in August (and enjoyed every minute of it) then passed in January. What a legacy!
Love this story about your mother! How beautiful! Thank you for sharing! 💕
there has to be some science behind this but SO many mothers of "many" children- im talking 8,9+ seem to live to be 100 or at least 90+ its quite a reassuring thing to hear when so many people proclaim "pregnancy ruins you" or "kids age you" it seems the OPPOSITE is true. thanks for sharing your moms story
@@SkySilver777 - I think the key to that kind of longevity _and happiness_ is having family around that makes you _want_ to keep living. If you have just 2 kids, send them off to daycare and public school, and hardly see them throughout their lives (unlike a homeschool mom), they kind of barely know you, and you can't expect them to be as willing to take you into their own home or care for you when you're old. We see that happening _rampantly_ with the last couple generations. I've worked in elderly care/"retirement" homes, and it broke my heart. There are so many elderly folks there whose kids just put them there to not have to deal with them. They're so sad, just sitting there WAITING to die. A mom who had a whole bunch of kids and raised them herself all day every day (if she was kind and loving), has a brood of people around her who will want to care for her her whole life, and who will seek out her advice no matter how old she is. That's how it's been for most all of history, before public schools and "nursing homes" were a thing. It's priceless.
I love this story. God bless you and your family
Wow! How wonderful and what a legacy! Thank you for sharing with us!
In January we paid off ALL debt. We are building a brand new home on a brand new homestead, all DEBT FREE. Living debt free is the seriously THE BEST FEELING. And we did this all on one income. It IS achievable. Buckle down friends, it’s all WORTH IT!
Thats wonderful!! Congratulations!
@@Simplefarmhouselife it’s most definitely one of the hardest things we’ve done, but it’s so worth it!
I’m going on 27 years no car payments !!!! Every time I get the urge for a new car I just wash my car and clean inside and out. Works every time. Makes me appreciate what I have as in debit free. I listen to Dave Ramsey for years and he’s the reason I don’t have car payments anymore.
Great idea on cleaning your car if you get the urge for a new one...there is nothing like aa freshly cleaned and washed car to help you appreciate it.
A clean car just drives better! Lol
Just want to say, one of my favorite things about you, is that you dont plan everything in your life. You are so go with the flow, for a crew of 10, its so peaceful. Im truly happy for your family. Fantastic content, love from Arkansas ❤
We finally paid off our debt in January. At 51 years old, it took us 15 years but it is worth it. I’m so thankful God gave us the perseverance and means to do it. ❤✝️
Congratulations!!!🥳 I hopped on the Dave Ramsey bandwagon this past year and I’m so excited to get this information to be able to navigate the rest of my financial future with better understanding and values. It’s all about FREEDOM 🎉
@@InspirationLed thank you so much! And all the best on your journey to financial freedom. 🙂
Congratulations!!
@@amberpolk thank you!
I will be having our 7th baby any day now. Our oldest is almost 13, and we drive an 8 passenger Honda odyssey😂 whenever baby arrives my husband will have to follow us in his truck. But we haven't had a car payment in years and I can't fathom that people spend 25k+ for a used transit! We are still on baby step 2 and I'm not willing to go backwards on that for a van.
This is NOT a criticism. I think you are extraordinary, Lisa. You seem to have no idea how creative and intelligent your cooking process is. I didn't understand it about myself until I started getting lots of amazement over how I managed our food supply, how I invented meal combos on the fly, how I shopped based on sales and a general idea of what we like to have rather than a meal plan. It makes sense to me and shares characteristics with what you describe in this video...but perhaps you and I take for granted our ability to puzzle out food for our family without much of an obvious plan. Your description of what you do sounds like wizardry to an awful lot of people. I know this now. LOL A good friend made this quite clear to me many years ago when I would talk to her about some random dinner I had made as if it was nothing. Apparently it was far from nothing.
I love when you talk about your finances and family life. It will NEVER get old because it’s motivating us each time ❤
I have never commented on KZhead before but I just have to tell you how helpful your videos are for me. My oldest is 14 months old and I feel like I am really going through the learning curve of being a first time mom. Not enough people talk about strategies, ways to think about different things, and how to adapt to this complete life change. I go around quoting you all the time - in my head and out loud! Thank you so much for making your content, I would have gone on being an anxious stressed out mom for many years before figuring these things out organically. I’m very thankful to have those who share who have gone before.
She saved my life as well when i was a new mom. My kids are now 4 and 6, so i am out of tge hardest days, but still grateful for her advice and encouragement!
I'm so glad to hear that...thank you so much for sharing!!
Glad someone is influencing others with good finances. Getting debt free this year at 27. Our parents influenced us into car loans and student loans. But we’re setting a new standard for our children - financial peace in the home..
You are in such a good place. Being debt feee feels amazing 😀
We used to be in a lot of consumer debt. Credit cards, car loans, etc. we are lower- middle class and we lived above our means for years. Now we have no consumer debt and that has brought so much freedom to our finances. I would never go back the car and credit card payment life! Currently a one (paid off) car family of 7. It’s inconvenient sometimes but I will not go back to payments lol
I’m 50 and I have never had a credit card or any debt - other than short term monthly payments for medical emergencies. We buy used when we can. That means vehicles, clothes, appliances etc and what we don’t buy used we pay in full at the time of purchase. My husband learned trades and received on the job training as well as having skill certifications paid for by employers. No college debts to pay off and we live well below our means. It’s funny to me that we have family members who think it’s insane that we bought a $600 canner, for example, but they spend almost that much EVERY MONTH on a car payment.
I really like this style of podcast and I hope you do more. It's like a little girlfriend get together.
I think this video should be in every high school, college and prime time tv! My kids fortunately listened to us about debt cars etc, and I learned from you about meat in a pan and making meals and I’m 68. No stress🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻🌟🌟🌟🌟🌟🌟
When you came from a poor family that scraped by, you have no concept of investing. There was no internet to learn these things. Young people now are blessed to be able to find out anything they want to know.
I grew up poor. My parents tried to save for retirement, but even though they are 72 & 70, and going to retire soon, they couldn't save much
So true!
For 5 years of being a stay home mom with 2 children we only had one car to save $. When we fostered children we were required to own an 8 passanger vehicle so we bought a suburban used and kept a Prius for regular driving to save $ on gas. While not having car payments (cars are paid off) I keep putting that monthly payment amount into my savings account or retirement fund rather than spending it.
This will be so helpful for you later in life. All the best😀
Can I just say, I tried for TWO YEARS to figure out how to do sourdough bread. I went down so many technical rabbit holes, wasted so much time (and flour) trying to make the perfect loaf, until I found your channel. The way that you explained how you fed your starter by eye-balling it and then how you simplified the recipes made it so easy to me. Thank you.
So glad my method was helpful!
Your tips on unplanned meal planning was a HUGE encouragement for me! I'm not much of a planner either, and I've sort of been doing this already while it's just my husband and I; when we do our weekly grocery trip, I plan out enough food for dinners and lunches for the whole week, but not "we're having this on this day, and this on this day, and this on this day..." My mom was a homeschooler of 9 kids, and she's SUPER SUPER organized, so I've kind of felt that since I'm not doing very strict meal schedules like she does, I'm not preparing myself well for when we start having kids and homeschooling them. But this monologue helped me feel confident that I don't have to do even MEALS like my mom to be as successful as she was! So thank you. Love your content; it's encouraging a lot of young women like me how to be prepared for this next stage of life, I know it.
This is a wonderful podcast!!! I am 70 and am sending this to my children and grandchildren.
My husband and I are both 37 years old. We started paying off all of our debt in 2020. We had a lot of medical debt, two car payments, credit cards, etc. As of May 2023. We no longer have any medical debt, paid off both of our newer vehicles, 2019 Dodge Grand Caravan and a 2016 Dodge Dart, we have a couple credit cards but we don’t use them much, just to maintain credit so we can buy a Homestead. We have zero debt now and it feels good. We bought both cars new and won’t ever do that again. They all can break, no matter the year lol We will keep them until they no longer run. We budget and manage what we spend but still don’t go without. Just wait until we have cash to purchase instead of using the cards 💀 Every families story will be different, but if you want something bad enough, you can do it.
best advice - make your house 30 minutes to clean it up by being minimal
I think the heaviest meal is best for lunch so we have more hours during the day to burn it and our digestive system works best. Wow you gave us lots of great tips Lisa, thank you 😊
I totally agree
It is yet when your husband works out side the home, the main meal has to be together, in the evening 😊
I love the episodes you do by yourself.
I would say the biggest step is saving an emergency fund first plus a car maintenance fund as well. I think about if my husband and I pass away, my kids/family will not have to worry about our regular bills AND be grieving at the same time.
And I live in Maine and the weather is super bad. And I don't want to have an accident and I feel super secure with getting a subaru. And all the Subarus that I wanted were like not lifetime warranties on motor and this that and the other. Plus I know a guy that works at the dealership who gives me discounts all the time. So that's a blessing whenever I go get my oil change or if I have to change all my tires this that and the other.
Our only car is 20 years old, only front Windows can be open, sometimes a back door freezes and kids can go in only from one side. We need this car for at least 3 more years to work, when our oldest will be 18, we can buy smaller car. Im so greatfull for owning a car. We live in Europe. Car here is not necessity, but its helpfull.
I drive a 2000 Chevy Savana passenger van that we bought for $6,000 with just over 100,000 miles on it. I truly cringe when I hear people insist they need the nice, new vehicle. I am also blessed that my husband is a pretty good mechanic and I do understand that alone gives us so much more freedom in our vehicle choices. She ain't pretty, but she's paid for! 🤣
I have 2 vehicles with almost 300k. Hubby can fix things but we also use the mechanic. One is a 2000 and one is a 2003. I haven't had a car payment since 2000 and I sold that one a few years ago 😂
Paid for is best! Even my 18yo son says that as he drives his 24yr old Toyota tundra his grandpa gave him 2yrs ago.
But you aren’t in debt to it and that’s what matters. You drive that unpretty baby with pride 😂
Something my husband took into consideration when he was switching jobs was having a company vehicle and gas card. It may seem like a small thing but it has proven to be a big help. He works in Saint Louis but we live 40 minutes west and not having to worry about gas, wear and tear on our cars, mileage, or our personal car insurance being affected if something happens are all factors that make a difference. A few years ago when gas was ridiculous, we didn’t have to worry because he has a gas card and I drive mainly within a 10 mile radius of our home and I’m a homemaker. We put gas in our Yukon ( which we paid $ 2,200 for used ) maybe every 2 weeks.
You have so many great common sense ideas, Lisa! It is a relaxing feeling to not have debt hanging over your head. I have an idea to share.... My daughter (Lisa) & son-in-law have a plan that works for them when purchasing a family van. She doesn't put many miles on her van since she is in an area where most things she needs and her children's school is close, they always buy a van that is about 2 or 3 years old with high miles so they get it for a lower price. Then they keep it for about 6 years. When they sell it outright (not trade), it is considered to have low mileage & they get a good price for it! After they purchase a van, they always start putting money away in their van savings for the next van, so they can pay cash when they are ready. It is a great cycle for them.
Lisa, I really enjoy your solos!!
Loved this, Lisa! I’m a mama of six, and it’s always encouraging to hear that you do many of the same things I do. With a deep desire to live well, I sometimes begin to think that I’m missing something important (like meal planning or holiday outfits, for example), and it’s SO reassuring to know that I’m in good company. 😉
This grandmother loves your videos! I’ll watch anything you want to do. Lots of good advice. May the Lord continue to bless your sweet & precious family! 😀❤️
Thank you so much!!
I have been praying (and to aggressively trying to encourage my husband) that we would be able to move and downsize. To get out from our mortgage. My prayers have changed that I would be softer with my husband and trust more in the Lord But he is afraid to move. Afraid of all the unknowns. Afraid of being more self reliant. I am praying for all these things too. But I just really want our family to be out of this debt. It is the last debt that we have. And we have a great amount of equity and can buy another place for cash.
Moving is expensive. Why not just throw some extra at the principal and pay it off if you are otherwise debt free? This way he doesn't have to move if he doesn't want to. ❤
@@dianasimplifies the money that we would have to pay for a house cash is already in our escrow. We do not have have cash in hand. We are living mostly paycheck to paycheck and he is working more than 40 hours with travel time every week and he barley sees or is able tp spend time with any of us. He hates his job and would rather be home but isn’t willing to make a move or to try and build something up where we are Please lift us up in your prays
@@bluestonecottage642 oh I see. 🙏🏼🙏🏼🙏🏼
Could you do a topic on why you have chosen to have such a large family? I love it. Great video
I have shared on this subject before...its really not deep...we just decided to let God determine our family size
So much value in this conversation. Thanks for staying consistent in your message. You are a space I return to over and over and over.
Thank you!!
"But that's OK, it's not always perfect. I think those are words most homemakers and mama's need to hear. I wish I had heard those when I was raising my kids. It may have saved me a lot of regret and guilt. I hope the people who need to hear this now, will.
Love hearing you talk about finances. You and a few others on youtube have helped us so much and I am grateful. When it comes to the meals you made that day for my culture that's exactly how we eat, a bigger meal for lunch and a lighter meal for dinner being a salad, light vegetable soup etc. Living in the middle of Europe I realise there are so many different ideas or traditions on meal planning that I find it all interesting and never odd. I felt like you were trying to explaik yourself and I just wanted to tell you this. Love you to pieces, you are a huge blessing for our family!❤
Thank you!!
Love you Lisa! Thanks as always!
It is always so intresting to hear tips and tricks for cooking from scratch. I'm from Russia and this is the only way we cook. I cannot imagine how to cook differently. But i still enjoy your cooking videos as they give me ideas on what to cook. Your sourdough recipes are great. Thank you for your work😊
Thanks for watching!
Oh my! Thank you Lisa for this Podcast ! I’ve always been so complexed not making meal plans. Throughout the whole childhood of my 7 kids ( the eldest goes on 39) I found it so easy cooking what was in my pantry and fridge. I just didn’t know that this was Cooking from Scratch . They never starved and it is definitely an easier way of cooking and eating 😊
You are wise beyond your years. Thank you for sharing.
I love watching all your videos and how you make it all happen for your family. I’m a visual learner so I appreciate watching you prepare your meals as opposed to a cookbook. Your are truly blessed.
I started a monthly list of meals and buy 95% off items at beginning of the month. It helped me get a rhythm in the kitchen going. Instead of worrying about meals, I just make what makes sense. The flexibility is awesome and I love that I have everything on hand for all my options
Great job!
I have always been a go with the flow type person and am just starting to catch onto what you’re talking about in cooking for my growing family. One of my weak spots is budgeting, and I’m now interested in getting into bulk buying. I’m sure you have other videos that get more into it, but I just wanted to say I appreciate the different perspective you put on meal planning, because with 2 under 2, I just don’t have time for that, and planning is not a strength of mine.
All of us really just have to know our personalities and take the info we get and filter it to what would work for us...knowing yourself and what will work for you is a skill that will help you for the rest of your life!
We were at the Branson Bass Pro Shop a few summers ago and I noticed the monthly sticker on their inventory too! It’s really important to look at the total price and not go into debt for something because the “monthly” payment is affordable. Being debt free has given us so many opportunities for our family, keep sharing with the world!
This was one of my favorite videos/discussions you have done.
You follow a consistent rhythm and that helps prevent decision fatigue. Also, you have learned skills that help keep costs down. Those are huge factors.
This video had so many great tips. Thank you
Love all of this. Amen on the finances, saving for retirement early, cooking from scratch, etc. YES 🙌🏼
It’s just the two of us now with grown kids. We’re both retired, but even not working outside the home, we’re busy, so I do meal plans at least two weeks out. I stock my freezer when I find specials, and I have an inventory of what’s in my chest freezer. When my kids were home, I had to be organized,and I just follow that routine now. Love your videos!
I loved hearing all your planning/ not planning for meals. I do some of these, but you definitely inspired me!
Love your solo episodes!
Thank you for the encouragement! I think we make things more complicated than they need to be. I certainly needed to hear all of this.
i buy the basic items every month and can make most anything that isn't in my usual line up. i like mexican , asian, italian , american foods and those are the spices, ingredients i always have on hand. its so free and easy.
This was so encouraging, thank you!!
Love your solo episodes!!
Love hearing you chat about all the things!
Love the video, especially the food section!❤
Thank you, Lisa.
wish I could have seen these videos 20 years ago. Love your methods. Love the simplicity and beauty of it all. Even though my children are 32, 29, 17 and 15 I still pick up some great advice from you. Thank you.
I appreciate that!
Couldn't agree more, taking the time to make your own meals is so important because your in control of the ingredients and how things are cooked; of course the more often your doing it the easier and more tasty cooking meals become
I loved this talk through video of some of your processes, thank you 🤍
This was super helpful! Just a wealth of knowledge in 1 episode! Thank you so much!
You are absolutely correct in living debt free and planning for retirement starting with your first paycheck. I was able to retire at 63 very comfortably with plenty of money in a health savings account to cover medical expenses until eligible for Medicare. I am healthy and rely on. medication because of healthy eating my entire life. I cook like my Mom did. Cami from TidBits did a great podcast on her healthy eating aka cooking from scratch journey. A lot of people could relate to what she had to say regarding her childhood eating habits. I do think each child should have more like 7 - 9 sets of clothes. 2 should be for nicer occasions and the others for every day. Nobody likes wearing the same thing over and over again!
I make a large dinner everynight and have it for lunch the next day. I'm a recipe follower. I keep lots of books of 5-6 ingredient recipes. I am a planner but I still cook from scratch. I am a simple recipe book collector. I don't have perfect meal plans, I plan recipes around ingredients.
Currently I thrive on my meal planning and I enjoy planning out my meals based on what I know is going on that week. However, one day I would love to be able to just go without a plan and allow creativity to be at work. Sometimes I intentionally leave a night unplanned to practice that concept. I'm definitely getting better and I find so much joy in putting a meal together even though I hadn't planned it beforehand. Much of that has been learned from watching your videos! So thank you!
Thank you so much for sharing!!! As a young mom this is all the things they hesitate to say but all the things I wanted/ need to hear! You have helped me so much in life
You are so welcome!
Great advice. I love that you keep it real. In the age of KZhead there’s a lot of pressure to keep up and it isn’t possible.
Thanks so much for the pep talk 🎉I want to go sort my cupboards ❤
We don’t have car payments and it’s soo nice. In my area it’s VERY common for people to get new cars with new babies I never understood! Even though the last car would’ve fit 2 carseats
Thank you❤
Awesome advice, thank you so much, God bless you abundantly
You are so welcome
Great advice ❤
I truly appreciated this video! So much value to what you said. . Thank you! 🙏🙂
Glad it was helpful!
Dear Lisa, what a wonderful episode of life lessons. These reminders as you said are needed in one's life to remain sane. Thanks for uploading new recipes, excited to try them in my little kitchen all the way here in Singapore. God bless you my friend
Glad it was helpful!
I begged my husband for an old minivan when we gave birth to our last baby and outgrew our vehicle. He bought a newer luxury SUV (in cash, thankfully). It has had SO MANY issues. It's not worth the price tag. Thankfully he's decided to sell it. We should get all our money back and he's agreed to buy me a 20 year old minivan or suburban. It's funny that it makes me so happy but I feel way more secure not spending very much on my vehicle.
Thanks for sharing!!
I appreciate it that your normal 😆 like you said off days happen and you just have to roll with them. Grace.
Smart Lady!
Great Episode! Thank you!
Glad you enjoyed it!
Dawn from the Minimal Mom says " its in the motion not the potion.... its the 1st thing I thought of when listening to you Lisa.
Great podcast/video!!
Thanks so much!
Definitely agree about the cars. We have never had a new car and my oldest is 28. I think it is such a waste and it loses value the second you drive it out of the car yard. We made our children all save up for their first car (and they were rubbish) but my kids were so proud of their cars and really looked after them, because they saved up and paid themselves. They have all moved onto better cars but not brand new.
Thats literally how I do it. I dont have time to menu plan but I can make things up as I go as long as I keep my kitchen fully stocked. 🤣 5 kiddos & also homeschool.
A well stocked kitchen really is the key!
You are blessed to have the luxury of not working at a standard workplace! I watch some homemakers channels and I begun to resent them and feel bad for myself and also forget that my life is so different from them and once I realise that I took the grace and free option of unsubscribe because I will never have a life like that because I will always have to work a full-time 9-17,or shifts,not just a hobby job like a blog,in order to make ends meet. I am also blessed in not having to pay rent or mortgage and I now look at videos with people that are poor because from their stories I learn a lot and I gain the determination and focus to go everyday to work and be thankfull for what I have and I pray for them because I would not want to be in their place ever. I know how to budget and I know that I have to have buffer money and savings in order for my family to stay secure.
I agree that not comparing is very healthy and understanding and working within your means is an important skill. As far as being blessed with what I do, I agree and I am so thankful. My husband and I decided this was the kind of life we wanted and set a goal and strategy to get there and were able to do it after years of working toward it...it definitely didn't just happen.
No car loans for us!! The interest rates kill you!
I will research index funds. I’m not familiar with that term so I appreciate the advice.
Fixed index annuities. You never lose your principal.
New Subscriber here. I love your channel. This is great stuff that I can use too.
Awesome! Thank you!
I took on a car payment once at zero percent interest. I took that money and invested it and took the five years to pay it off..,but that money grew for me and gave me a ROI I wouldn’t have had. I do not suggest it now due to interest rates but worked in 2015
I do something similar too you. I always have my protein stocked up but I work with veggies. I go to the fruit&veg shop every Monday and buy what is the cheapest, I then meal plan around that. I normally defrost my protein the night before. I also don’t follow recipes, i just use ingredients that can make an Italian, Asian, Mexican meal. There have been some disasters in the early years but now all good 😂
Amazed that you have been buying stocks since you were 19 yo. I would love to learn more - and invest but it seems a little scary. Perhaps another online learning course idea?
My jeep patriot is a 2015 which is a 5 speed with no power locks or power windows. I intentionally bought one like that because the more bells and whistles you have on a vehicle means the more things that can break and need to be fixed. It has air, heat, and cruise control. That’s it. I bought it new but it’s paid off. I have no plans to have another car payment. I’m debt free and prefer that over having more and fancier things just for less stress.
The cost for a new car monthly payment, plus the intrest, car insurance, gas, oil. The newer the car the higher the insurance. By the time you pay for it for 5 to 7 yrs its already old. Why give all the extra money to finance companies or credit card companies.
M. When people make side money and do not have a business legally in place, the money gets blown; there isn’t anywhere to put it, except cash in hand. If a personal tax form were in place for any “additional revenue” (personal as in: legally binding personal assets, instead of separation of business) obtained during the calendar year, then the citizens of the United States could utilize the funds. Instead, the internal revenue system is used as a form of punishment, instead of generating funds as it’s was designed.
I think I've mentioned this before but you need to ditch the canned vegetables. There is no nutrional value. Buy frozen vegatables. Agree on the car costs. I've always had car payments of 3 to 4 years and then drive it for 5 to 8 years afterwards with no payment. Agree on not what car payment you can afford by salesman. What's the cost of the car.
Assuming all cars come with power locks and windows tells me we grew up in different income classes LOL cause we are definitely from the same decade haha. I was alao definitely taught debt qas normal, "nobody can afford" big purchases its just "the way it is" Luckily i married someone who was good with finances and i also learned and had already started dave ramsey and gotten out of stydent and credit card debt, bought a car for cash and saved some emerg. Money by the time qe met (second marriage) Our newest and paid for in cash vehicle is the first time I've experienced heated seats.... I had no idea that was on many cars because ive never seen it before! (and we live in the middle of Canada where it's Very cold 6 months of the year so... Its a game changer !!!) We live on one lower middle class income and gas and food prices are definitely killing us but thabk Hod we donr have debr but the house...itd be really different. So glad we made good choices a decade ago
The debtor is slave to the lender.
❤ Thank you I can't buy a new car as it is a waste of money A new car depreciates as soon as you drive it off the lot. Ask friends, relatives and family when you are looking for a nice, newer used car and you would be amazed how someone you may know needs to sell a vehicle at a much better price 😊
I'd like to know if you think its possible to go over completely to Einkorn flour or if its not suitable for some baking/cooking
I'm sure it's possible once you get used to baking with it. I love it but have never baked with it exclusively. If you go to my blog FarmhouseonBoone.com you can search for Einkorn and all my recipes are there....it should be enough to get you started.
And the car wears out LONG before you finish paying!
Ok ok. Wait can we please have a video on investing please. I'm trying to learn how to invest the little we have in savings- obviously after leaving an emergency funds. Please
Look up low cost mutual funds like VTI/VTSAX on KZhead. I bet she does something like that.