Our Story

The movie of our life would be called, “Debt Free on A Dime”

My husband and I raised our four sons debt-free, including paying cash for our home on an income which averaged less than $40,000 a year.

We discovered the secrets of spending less, saving more, and living with a spirit of joy and abundance every, single day.

When I’m not speaking or writing, you’ll find me speed walking while humming songs of the 70’s, creating vegan versions of classic American comfort food, or singing jazz and spirituals with my friends and fellow musicians in the Heritage Ensemble.”

If you want to kick debt to the curb, live life intentionally, and grab great big, nearly impossible goals with both hands and refuse to let go, then I’m your girl! 

Stick with me! You’ll develop:

  • Ninja-like, money-saving reflexes
  • the ability to spot a bargain from 300 paces
  • super savvy shopper know-how

“We married in 1988, each making $5 an hour, knowing next to nothing about budgeting. Three months later, our bank account registered nearly zero! We had a choice to make. Would we continue our current spending habits and sink into debt, or look our situation square in the face, embrace delayed gratification, and learn to live within our means?”

We realized we were in deep trouble.

Our journey began as we learned to:

  • Live on a monthly written budget
  • Believe God for provision
  • Practice contentment
  • Embrace delayed gratification
  • Dream big dreams – and then come up with a game plan to make them happen!

In 2008 we tackled a Mount Everest sized goal!

On a warm, autumn afternoon, a drug dealer ran through our front yard, followed closely by the police. Sadly, it wasn’t the first time that violence had erupted in the neighborhood. In fact, the echos of gunfire had become an all-too-common occurrence.

That event lit a Mount Kilamanjaro-sized fire in our bellies. We realized that our children’s safety was at risk and we needed to move – the sooner the better.

We stripped our already cramped budget down to the the bare bottom basics, adding up nickels and dimes to make dollars. We gave ourselves 2 years to save $30,000.

Our new mantra became, “If we can’ t eat it or wear it, we don’t need it.” As we learned to work together with the precision of a Swiss-made watch, the nest-egg, which represented our future home, began to grow.

In August of 2010, we reached our goal and bought a new home, in a great neighborhood. We paid cash.

I don’t give you pie-in-the-sky advice!  I’ve been in the trenches and lived with little.

I also know the power of the gift of faith, as you decide that nothing will keep you from meeting your goals and you learn to depend on the grace of God, the wisdom of the Holy Spirit, and the provision of a power greater than your own.

If you have comments or questions, you can reach me at hope@underthemedian.com