March to May Goals Update

So, I haven’t been updating in a really long time! My momma was in the hospital for all of April. It was scary times for sure. It’s like life was the same every single day! But, goals are still being worked on and checked off!

1. Get rid of more, use less and be more minimalistic– We spent a nice chunk of quarantine decluttering. We majorly cleaned out the garage. We cleaned out closets and even gave away the teen’s bike that he’s too big for. It’s been great knowing that so many are getting things that they want and we are getting rid of clutter!

2. Do good, be a good person and spread kindness– I made several seed giveaways, since seeds were hard to find. I also made face masks for sooo many people. I’m so tired of sewing them!

Seed share at the master gardener little free library! (We had one in our little free library too!)
I’m sure that I made well over 100 masks! And then some surgical hats too!

3. Grow food, flowers and enjoy new plants– I have planted out the backyard garden, the big garden and pollinator garden! Everything is growing!

The big garden
Pollinator garden
Backyard garden

4. Be creative! Craft, forge, sew and do whatever makes our creative souls happy!– I mainly spent my time making masks! The two guys in the house built our new patio area and the Mr. blacksmithed a kindling cutter and wood rack.

For chopping kindling
(And he put a new handle on that hatchet too!)
Firewood rack (with some of my old derby wheels!)
New patio area! (I love that I can see my boy’s fingerprints all through it!)

5. Travel, spend as much quality time that we can with our ever growing teen. Time is precious. Oh my! This is hard to achieve over quarantine times! We did take a couple little trips out hiking locally! Great times!

Rocky Gap
Dan’s Rock

Secret goal! We accomplished this a month or 2 early! We are debt free! We are super excited about this! Read about it: https://littlellewellynhomestead.com/2020/02/16/were-debt-free/

Overall, goals are still being checked off. I hope that you all are staying healthy and happy! Let me know what you’re growing at your place and if you’re still accomplishing goals!

Keep blooming! 🌸🌱💚❤️

We’re Debt Free!

Our secret goal that we’ve been working towards!

I have to start with our backstory! This wasn’t a quick journey or one that was just started without much thought.

Rewind way back to 2005. We started our year off by having a beautiful baby boy. I had just graduated college (with some debt) and didn’t have a job. The Mr. was working and bringing in a decent income. However, we were barely making ends meet and babies are expensive.

Fast forward to the end of 2005, my beautiful and healthy 25 year old sister passed away very I expectedly. She was so close to really getting to the good part of life. She had just landed a better job. She had a great boyfriend and was starting to make some money. But, life just ended.

Still in 2005, my mom was battling 2 types of cancer, bills are crazy with those treatments and money was tight. (Hang in there, I’m getting to where our debt free journey begins, but these experiences definitely have altered my thinking.)

Moving on up 10 years. I finally heard of Dave Ramsey, money envelopes and a debt snowball. We had lots of bills and not a lot of savings. We brought our nest egg up a bit, and achieved our first big financial goal. We paid off my car!

Now we are up to March of 2015. We still have quite a mortgage and a truck payment, but the debt snowball was rolling. We tracked our money and budgeted like we should have been for a long time. And finally started writing everything down.

Our repurposed financial notebook

We started paying down the truck by making double payments (since we were used to paying the car payment, we just continued putting that amount towards the truck) and finally got that beast paid off in February of 2018. Yay! All that was left was the mortgage and the solar panels. So, we started making extra payments on the panels (we put what we used to pay for the truck and car towards the panels) and by May 2019, those were paid for!

And last, but not least is the house. We had been putting any extra money that we had towards the mortgage. It had been getting paid down a little at a time. From May until now, we have been paying every extra bit towards the house. And here we are in February of 2019, and we just paid off the house.

Here we are in 2019 debt free. I’m not even 40 yet, so now I question how much longer I will continue to work. I enjoy teaching, but I also enjoy spending lots of time with family, sewing, growing food and spreading my love for the environment.

I’ll end by saying that I didn’t share our story to be braggers. We live in a much different way than most. We don’t drive new cars, have the newest of anything, eat out often, live in a high end neighborhood or go on amazing vacations. I’m proud that we decided to achieve this before we were old.

The take away is that anyone can do this with time and dedication. Your journey might be longer or shorter. I acknowledge that we are blessed with good jobs (teacher and trooper), but we did not come from money. We are very proud of our accomplishment!

Keep blooming friends! 🌸❤️

Becoming debt free!

Oh goodness, I’m blogging about money. So taboo for some reason! But, here goes!

Remember how last year we focused on not spending? We did a good job of keeping our debt snowball rolling. Well, rewind back to March of 2015, I would have laughed if you told me that I could be anywhere near debt free (including our mortgage!) by 2020. But we did the best first step of sitting down and writing out our bills and where our money went back then. So basically before this time, we paid our bills in a timely manner. But, we didn’t have a whole lot extra and made minimal payments.

We found out how much those quick trips to dollar general or a “run” into the grocery store were really costing us. We saw how much money we spent on eating out and buying soda. It was crazy! So, we starting slowly working on our debt. We paid off our car. Then, we worked on both of our orthodontics. Next up was paying off the truck.

This year, we are going to be attempting to pay off the rest of the loan for our solar panels and we will be doing extra patents to hopefully pay off the house.

So now on with the how. We did the smart thing of when we pay off one debt, we put that amount onto the next debt to pay it off sooner. And then on to the next. And last will be the mortgage. We will also:

Keep crafting and putting the money that we make towards our debts

Continue to pack our lunches and have no problem with eating leftovers.

Make our own snacks and avoid visiting the grocery store to pick up extras. (And make our own meals too!)

We will keep gardening and saving money by saving our own seeds.

We will keep growing our own food to save a few bucks in the summer. Plus preserve the rest for decent food in the winter.

We will keep composting and feeding extras to our chickens to give us extra food for the garden and yummy eggs for us!

We will also try to buy second hand when possible. Plus, fixing, mending and upcycling when possible.

So, do you have goals when it comes to your finances? If not, pull out those bills, take a deep breath and find out where your money is going!

And if you do have some goals, or other ways of saving, please share!