Congratulations Mr President!

Wow! What a close election!!! Interested to see what the next coming years have in store for the nation of America. The Donald Trump Cap, “Make America Great Again” is currently trending at #1 on eBay. That definitely shows where a large percentage of the nations hearts stands! Well  the speech he made at the end of the elections took me by surprise. I for the first time saw another side of Donald Trump I had no clue existed.

God Bless you America. Fear Not!!  The Lord is with you.



Cutting down our Cell Phone Bill from $372 to $93

After my husband and I made the decision to get out of debt, our phone bill is one of the things we looked at and said “WOW!!”, how did we get away with paying so much for over a year and be content with it? I called the billing department and realized our bill  included installments for both our phones as well as a 3rd device (the iPad) which I am so sure we had removed from the plan a long time ago, but because we really paid not much attention to our monthly bill, the iPad creeped back on our bill. There was also other small stuff that added up that we honestly did not need like a high data plan when we have WiFi in the house,  it was a process to get that bill down to less than a $100, one of the things we did was pay off the phone(equipment) balance  which helped us really see how much we are paying. I still believe our bill can go down and I am glad we started the research! My advise is look at your bill every month!, cut down on your data, check with your employers if your company offers phone discounts, pay off any phone balance ( it frees up a lot of money) and review your plan every month!

Seeing that we owe  nothing to our phone company, we are thinking of switching to cheap carriers!

Please comment and let us know how you have been doing it!



Cranberry Sauce

1 pound fresh cranberries, washed and dried
2 cups granulated sugar
1/3 cup water
1 cinnamon stick
1/2 teaspoon ground allspice
1/4 teaspoon ground nutmeg
1 orange, zested and juiced

In a medium pot, combine the cranberries, sugar and water. Stir to blend. Bring the mixture to a boil over medium heat. Reduce to a simmer and add the cinnamon stick, allspice and nutmeg. Stir to blend and simmer for an additional 5 to 7 minutes. Some of the cranberries will burst and some will remain whole. Add the orange juice and zest, stir and allow to cool before serving.

Total Time: 17 min
Prep: 10 min
Cook: 7 min

Glazed Carrots

5 medium carrots, peeled
1/4 cup coconut oil
2 teaspoons honey
1/4 teaspoon togarashi or cayenne if desired (See Cook’s Note)
Kosher salt and freshly ground black pepper
1/8 cup chopped parsley


Cut the carrots in thirds crosswise. Then cut each piece lengthwise into halves or fourths, depending on the width of the carrots. This should create spears that have at least one flat side.

Add the oil to a cast-iron skillet and heat over medium heat. When the oil is hot, place the carrots in the oil cut-sides down and cook without turning until tender, about 6 minutes. The cut sides will be very, very dark. Some may even call it burnt. Don’t worry, it’ll taste great!

Add the honey, togarashi and 1/4 cup of water to the skillet and stir up all the carrots. Cook, stirring constantly, until most of the water has cooked off and the carrots are coated. Season with salt and pepper. Top with the chopped parsley. (This will add a fresh flavor and it looks really pretty.)

Serve right away to your impressed and amazed friends!

Togarashi is a chile pepper spice blend available in specialty markets and some supermarkets.

Total Time: 25 min
Prep: 15 min
Cook: 10 min
Yield:4 to 6 servings

Mashed Potatoes

1 cup heavy cream
4 tablespoons unsalted butter
3 large Yukon gold potatoes, peeled
Kosher salt
Freshly ground black pepper
1/4 cup olive oil, optional
Chopped fresh chives, for serving

Warm the cream with the butter in a small saucepan over medium heat until the butter melts; set aside.

Put the potatoes in a medium saucepan with cold water to cover. Bring to boil then add 1 teaspoon of salt and reduce the heat and simmer for 15 to 20 minutes, until the potatoes are very tender. Drain. Pass the potatoes through a food mill or a ricer into a large mixing bowl. Stir in the warm cream and butter mixture until the cream is absorbed and the mixture is smooth. Season the potatoes with salt and pepper and finish them off by stirring in 1/4 cup olive oil and sprinkling with chives, if using.

Our Journey to being debt free

My husband and I got married with less than 3 months of prep time.We got engaged in December of 2012  with the hope of having our wedding in August or December of 2013, but Lo and behold, God had other plans for us.  In January of 2013 my husband found out his job was transferring him out of the country  as early as April of 2013.  The projected time he would be gone was 2 years.  I would not be able to move with him considering we were not married and did not have the money to do so. Fast forward March 2013 we had a huge wedding , 500+ guests, we both come from huge families and our culture does not accommodate the term “by invitation only” .

By Gods grace we were able to pay every vendor cash and because of the monetary gift we received from family and friends  we pocketed close to $12000 for our savings account. Of course we had to tithe some of that money and help pay for little expenses here and there which included family members trips and so forth. We also had to travel around the country to make a courtesy visit to a lot of our relatives and friends. This was so much fun because we both got to meet our families on a personal level outside the wedding. However we ended up taking back about $6000 to the bank.

We both came into the relationship with some kind of debt which then we considered normal, but with more knowledge and wisdom we are on a mission to get rid of ALL OF IT.

So between the 2 of us we had 2 credit cards, The company I worked for was bought by Pepsi the same month I got engaged so I walked away 3 months later with a fair package which I received in December, that together with my husbands income helped us afford having our wedding outside the Country within 2 months notice.

So 2 credit cards, 1 auto loan, a lot of travelling back and forth (spending)  to get my husband ready for his move. I still had to remain in the US waiting for a whole lot of spouse paper work to be completed, which took forever and used up a tonne lot of our savings! I managed to stay with family while I waited to join my husband and they were ind enough to accommodate me at no cost. So our marriage started off long distance and I have to say it was tough. I was not working, living rent free, no bills (except the car payment, storage and credit cards) and managing one bank account in 2 different countries, so we only managed to pay off 1 credit card the entire year. All our furniture and most of our clothes were in storage.

In our second year of marriage after I had temporarily moved to join him we relocated back to the US and found a home to rent which was very expensive. We found it last minute because we desperately needed a place to stay after moving back with our first baby due in less than 2 months. So we sacrificed the 6 months lease just for sanity purposes, my oh my that was one of the biggest mistakes we have ever made. We started living paycheck to paycheck and nothing ever balanced. We emptied our savings trying to prepare for our soon to be born baby and family that was coming to welcome her. It was very stressful but my husband and I never once let that affect our marriage, sometimes we would seriously laugh about it.

Considering ourselves newly weds we had a lot of learning to do about our spending habits, my husband had his departments and I had mine.  One day we woke up with more than $30 000 in debt , more than 50% of it accumulated in less than a year. This now included personal loans, a car loan and credit card debt. The next morning we woke up and said Enough is Enough!

I being the accountant! ( Yes , I said it…. I am an accountant by profession and that was my last job before I became a stay at home mom) I sat down and created a very simple income and expense budget in excel. In the past we had one but did not pay that much attention to it.  But now we had to know how and where we were spending the most if we had to even think of paying off debt. It had to stop…. We had to stop accumulating debt and most importantly we had to get out of debt. So our first step was the excel spreadsheet which showed us where all the money was going. The 2nd step was we had to move into a smaller apartment. Our 6 month lease was up but finding an apartment that required less than $500 deposit was close to impossible. We were paying close to $2400 for a 2 bed 1 bath 1200sq ft home. That was way beyond our means. Saving the deposit or 1st months rent was not even possible. We tried to move out twice, even gave a 30 day notice but the money just did not add up. So we had to pray and completely ask God to help us for alone we failed. Finally we found a 2 bed 1 bath apartment, way smaller but much cheaper. We still feel we could have done better, but this was another desperate move.We managed to cut down our rent by approximately $900.

However we were behind with ALL of our bills, so the first few months were still tough but definitely progressive. We had a lot of catching up to do.

After getting close to stability in our home we then continued onto step 3 which was coming up with a list of things we had to do and things we had to stop doing in order to stop overspending and make room for paying off debt.

Below we have a list of

  1. Bad Habits that increased our debt or that kept us in debt
  2. Positive Changes we made to get out of debt


  • We lived paycheck to paycheck with $0.00 savings
  • We would call in so often to postpone our auto loan payment because we had to put that money towards something we thought was more important, of-course that came with a late fee.
  • Cash advance/transferring cash from the credit card to our checking account because we needed money ASAP (more interest right!)
  • Using the last dollar in the account to swipe  +/-$50 worth of gas at the gas station to make sure we had gas to last us till the next paycheck. This would obviously put us in overdraft. Fortunately the bank we use right now does not charge us overdraft fees, which probably made it okay for us to continuously do so. This is one big thing that became a vicious cycle in our lives. It began to feel normal we had no shame in doing it
  • Buying unnecessary things. ( I will  not go into this one because we are both still being delivered from this habit). Just because something is on sale does not mean you need it!! When that spirit of poverty follows you, you can not even explain why you have so much of the same thing in the house.
  • Eating Out, there are times really when it was not necessary or the budget was not looking good but we still went ahead and did it. One day we looked at our spending tracker online and realized we spent so much on food. Of course we have to eat but there surely is a smarter way of doing so!
  • Making direct international calls because we have family outside the country, most of the times we use a phone card which I really love but there a days we did not even have the money to buy a $5 card so it became convenient to make a call directly from our smartphones. I was more guilty of this
  • Keeping lights on the entire day in the house.


  • We have always tithed before we got married, so that has continued on every single penny we earn/receive
  • Speaking the word of God more over our finances and family finances
  • My husband and I will be purchasing the tee’s below as a reminder to stretch towards our goal, and to make sure we will get to wear the one on the right. There is power in what we speak and say.               “The tongue has the power of life and death, and those who love it will eat its fruit.“Proverbs 18:21                                                                       If you click on the t-shirts you will be redirected to our store. 2015-11-21 2015-11-21 16-18-47

  • Shopping from my closet or wearing the same outfit for big events, normally I would always buy a new dress for every occasion I considered big, dinner, weddings, parties etc, however when you stop caring about what people have to say about you wearing the same dress at 2 different events you are bound to get out of debt sooner.
  • Eating reasonable portions  per meal. My husband and I could finish a 6 pack of chicken or ground beef in one meal. {Meat is expensive overtime}, we put an immediate stop to that and honestly, one piece of chicken does it for me. We do always try to buy organic meat, that way we are getting value for our money and avoiding future health nightmares.
  • Taking packed lunch to work. This is my husbands favorite thing to do! something about showing off at work that his wife cooked for him…. So we got him a masculine lunch bag which motivates him more to carry that lunch!..

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  • Money Pool, ( one of my friends approached me about doing a money pool , we teamed up into a group of 4 ladies {Isabella, Emily, Chloe and Sophie} and started paying each other on a monthly basis. Because we all have a goal of getting out of debt, we agreed to each pay Isabella $200 the 1st month , Emily $200 the 2nd month, Chloe $200 the 3rd month and Sophie $200 the 4th month and we then start all over every time we reach the 4th month. What this has been doing is giving  everyone the opportune to receive $800 during their month of receiving, For example, Isabella, Emily, Chloe and Sophie all give Isabella $200 in January( that’s a total of $800). Yes Isabella has to give herself $200 to make it worth the pool! and in turn Isabella has an obligation to pay that $800 towards her debt, which could be anything from a credit card, personal loan, student loan to an auto loan. Once that is done, she emails the entire group with proof of payment. This gives all of us the obligation to do the same in our month of receiving. We make sure to celebrate each other whenever that proof of payment email pops in! This definitely encourages us to be obedient to the game!
  • Cutting down our cellphone bill!!! , honestly somethings we can live without. Reducing our data plan and using WiFi as much as we can. Family time is more important than phone time ( I get to spend more time with my family lately because I realized the phone can be a negative game changer in a relationship!) Bonus!! So our phone bill is down $40/month  (We also removed a third line which was our iPad , this we can use with WiFi alone)
  • Called the cable company and reduced our speed
  • Diapers  and Wipes only Registry…. We have been blessed with another baby  (bun in the oven) during our time of trying to get out of debt, this gives us the more reason to want to get out of debt sooner, these 2 munchkins are both our responsibility and we have to lead by example. So with the baby 3 months away from arriving, we decided to have diapers and wipes as 90% of our registry. Diapers are expensiiiiive!!! Thank God we are having another girl, so we are good on almost everything. Some of her big sisters clothes are still new and some were worn once so that’s a huge bonus for us! We chose diapers and wipes because the pennies add up very fast. Asking our family and friends to get us that only will really help us a lot towards reaching our debt free goal. We are registered at Target
  • Cut up our remaining credit card into pieces that way we are not tempted to use it, self discipline is something we are still working on
  • Recycling every single water bottle, my husband was once against the idea of recycling but when he started seeing the benefits it changed such that, he has become a recycling pro (we drink so much water). We are still weighing the costs of buying bottled water from the stores or signing up for bottled water service.
  • I have a friend that sells Jamberry so I spend $15 a month on cute nails rather than $60 a month. Makes sense to support this young lady.
  • Reviewed our auto insurance and have managed to cut our bill by $60
  • Found a cheaper company for renters insurance
  • Started using the cash envelope system. We have stopped swiping! It helps us be more responsible and accountable to the penny
  • I could save this for another day but I started small projects here and there to bring extra money into the house, there are a lot of things I am gifted in and I have done them in the past just because, but now I have realized we can make money based of these projects and have been taking them seriously, I am a consultant for thirty-one gifts and I have a blog on some of the mistakes we make in direct sales ,I design websites, organize events, specialize in wedding decor, just opened an etsy shop and listed some of the different things that I made. It costs 20c to list an item, if you use this link, you will get your first 40 listings free. There are many other ways I found to make money online and I will write a blog about that very soon. Real quick, here is one app  (Swagbucks) I signed up with about 2 years ago and from it I have received cash in my Paypal account, Target, Amazon and Walmart gift cards. I will talk more about it in my next blog.
  • My blog is fairly new and being pregnant I try so hard to keep it updated. I am very excited to be soon making money from my blog something I should have done years ago. I have a lot of ideas of how to go about it, I will focus more on that as soon as the baby is here!

We will keep you updated with progress, right now we are $15 000 down in debt and plan to be debt free by the end of 2016. You get wiser by the year as you see the debt meter going down!

Getting out of debt is possible in so many ways, but the most important thing in our family is to seek guidance from God, The word of God says  in Matthew 6:33″ But seek first his kingdom and his righteousness, and all these things will be given to you as well”. We meditate on the word of God, day and night, we pray and by faith we are on a journey to the end of debt.

Please let us know how you got out of debt or how you plan on getting out of debt.

If you want to be wearing that debt free 2016 tshirt with us next year, please get it (It is a limited edition).  Don’t wait for 2016 to start planning, today is the day! There is no better time.