Our Story

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! 

If you need practical, money-saving ideas and a big dose of encouragement to help you live with a spirit of joy and abundance on a shoestring budget, then you’re in the right place.

Along the way, I’ll throw in ideas for creating amazing meals using a handful of ingredients, buying clothes, groceries, and gifts at a fraction of retail prices, and strategies for getting (and staying) out of debt. 

“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 set a financial goal that seemed a little crazy – even to us!

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.

On this blog, 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.

Do all to the glory of God,

Hope