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More with Less: The Freedom of Debt-Free

Freedom of Debt-Free


Welcome to the series More with Less where we look at various ways we can live a more abundant life with fewer possessions. I hope this series helps you to rethink how you view your money and possessions. You can read the intro My Journey with Money and previous installments: The Four Purposes of MoneyGive Your Money AwayCultivate Contentment, Own Less Stuff, and Fear, Faith and Money.

Today we make the Ryan’s final master’s degree tuition payment. It’s a day we’ve been working hard towards for over two years and, oh man, am I ready for it!

Before Ryan was accepted to his program we decided we would not take out loans to pay for his education. We knew it would mean big sacrifices, from making major cuts to our grocery budget (and spending in general) to moving back to Oregon. We knew it would be hard but going debt-free was best for our family1.  Continue reading


More with Less: Give your money away

Give your money away

Welcome to ‘More with Less’, a series about living an abundant life with fewer possessions. This series normally runs on the first Friday of the month but life threw me a curve last week and it’s a bit late. I hope you enjoy today’s installment and I look forward to hearing your thoughts in the comment section!

The biggest asset in my family’s money management arsenal might surprise you.

It’s not being thrifty, going without or wise investments.

It’s giving money away. Continue reading


More with Less: The 4 purposes of money (and one non-purpose)

purposes of money

Welcome to the second post in the series ‘More with Less’! This is a bonus installment as this series will usually run on the first Friday of the month. But I am so excited to get it going I want to lay some more foundation before we jump into the practical aspects of living more with less. If you missed last week’s post ‘More with Less: My journey with money’ I suggest you read it first before diving into today’s post.

For most of my life I thought money was meant to buy me stuff and allow me to have fun. Yes, it was also meant to pay mortgages and buy toilet paper but those were definitely secondary. Oh man, was I wrong! When God made it clear that I needed to become frugal and recognize my dependency on him the biggest change hasn’t come in my spending habits, though the change there was pretty drastic. The biggest change is how I think about money. It is no longer the ticket to fulfilling my wants and desires; it is a tool used to enable me to live the life God calls me to, one of abundance with fewer possessions. I’ve slowly come to understand the purposes of money and as I do I found the freedom and joy I didn’t experienced when I used money only to please myself. Continue reading

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When being a responsible adult looks irresponsible


This was written on April 4th, 2013 in a coffee shop in Ottawa shortly before we left for Oregon.

Today I wrote a check that will clear out all our savings and leave us with just enough money to get through until the next paycheck, which will be in June. Maybe.

I’m all about saving money for a rainy day or an emergency and living as far below your means as possible. You know, responsible adult stuff. I  budget, get regular check-ups, serve at my church and teach my kids manners. This makes me a responsible adult, right? Continue reading