My pride bought me the car I wanted

The car I wanted in 2017 was not the car I could afford, but it was the one my pride said I needed. I’m learning that a few years later.

In May 2017 I had the privilege of getting to replace my vw turbo. How lucky of me. Right at 65,000 miles it needed to be replaced…apparently something normal for VW. Something I was NOT warned about at my 60,000 checkup.

The replacement cost me over $4,000. That’s after 4 brand new tires, a windshield and a 60,000 checkup in March. Needless to say, that first half was very very expensive.

So after getting the turbo replaced, I sold the car and upgrade to an Acura RDX & a lease. A car I really couldn’t afford, but a car that I knew was nice, that my friends and family would think was nice, and a car that honesty id been eyeing for years.

10 months later I was at Honda begging them to buy my Acura and put me in something cheaper. They happily did, and into another lease. See, I didn’t have any savings. I had a lot of debt, so there was no money for a down payment.

Now it’s June 2019. My husband is realizing that a lease is essentially a long rental and the HR-V that I got will not work in Colorado when we move in the future. Which means we’ll be selling the HR-V to get me into something different that can handle more than sprinkling rain. (LOL but seriously)

Looking back my pride was such a big issue. I could have gotten something way less nice for a payment I could afford without a lease but didn’t want to. So much learning has been happening, and will continue to do so. It’s neat watching God break me down to build me back up.

My advice. Look HARD before making a big purchase. Check your heart. Did you walk into Acura because you can really truly afford it and do want it, or because it’s something your friends will compliment? My reason was definitely not the first. Also look hard before deciding to sign a lease. You do not get to keep the car at the end. You make all the payments and then give it back. Renting an apartment sucks because you’re putting money into an investment for someone else, a lease works the same way.

Buy the car you can afford. Pay cash if possible. If you can’t pay cash, make sure you truly can afford the payments. Do a lot of research before signing a lease. Check for the best sales and haggle!! Even though you can’t at CarMax, you can everywhere else!!


How we will save $1,200/year by making ONE change.

I’ve had gel or dipped nails for over 5 years now. and now that were getting super strict about our budget, I’ve decided that my manicure needs to go as well.
 
 
If you asked me 6 months ago if id ever volunteer to give up my manicure, i’d say absolutely not. Actually, Stephen and I had a long discussion about this one night and I had put my foot down that our budget WOULD allow the room for me to get my nails done every other week.
 
 
I’ve lived INCREDIBLY comfortable while being broke, trying to keep up with what I felt was the demands of the world only to find out it was really just the devil’s influence.
 
 
Stephen has been incredible about calling my debt OUR debt, and that we’ll tackle it together. My debt is causing him to give up a lot, and i’ve decided this is one thing I can do to show him how serious I am, but also how much I appreciate the sacrifices that he’s making.
 
To give you an idea of how I got to a debt number of $40,000+:
 
I went to Ireland, Cabo and Jamaica all on a credit card.
I bought a new laptop I really didn’t need.
I furnished my new home – living room, dinning room and master bedroom.
I purchased appliances for my new home – Refrigerator, Washer and Dryer.
I spent thousands of dollars on Lululemon to stay with what was trendy and popular…like the rest of the world.
I bought a Peloton bike I didn’t need…which has now been sold to pay down debt.
 
Honestly, those are only the things I can quickly think of.
 
Some things on my card I couldn’t avoid. I had a bad crack on my windshield that had to get replaced…$500 repair. My turbo in my VW needed to be replaced…that was $3,000. I didn’t have the cash this year to pay my taxes, so I put another $1,000 on my credit card.
 
But now, as a penalty, not a punishment because its the right, adult decision to make, i’m choosing to give up my manicures. Right now i’m spending $53 every other week…That’s $106 a month, for 5 years, which equals out to over $6,000 I’ve spent on manicures…and that’s just manicures. With that realization, I’ve decided I’m enjoying my last manicure right now.
Because I know my nails are going to be a disaster, I did some research on how to repair and strengthen my nails! These’s are the products I purchased:
 
  • Butter London Horse Power Nail Rescue Basecoat – The reviews on this product are really good and lots are from women who had gel nails and were trying to repair as well!
  • Hard As Hoof Nail Strengthening Cream – I LOVE to buy products that are listed as #1 Best Sellers on Amazon, and this product is one of those. With over 1,300 reviews, i’m hopeful that the results are as wonderful as the reviews make it seem! The description says that it prevents splits, peels, chips and cracks even in the most severe case. I haven’t seen what’s under my SNS dip polish yet, but i’m assuming i’m one of the severe cases.
  • Revlon CrazyShine Nail Buffer– Everything that i’ve read has said that besides keeping your nails trimmed and short, you also need to keep them buffed, so I bought this buffer to help keep them smooth and shiny.
  • Ella+Mila Soy Nail Polish Remover  – This is a soy based, acetone nail polish remover that contains lavender essential oils and Vitamins A, C, E oil. These ingredients promote healthy and moisturizing nails without drying out your skin or damaging your nails or cuticles.
  • Ella + Mila Love Collection – Stuck on You polish – I know that it’ll be tough for me to not have any color on my nails, so I decided to get a pale pink to enjoy a few weeks after having naked nails. What I really like about the Ella + Mila brand is that they are vegan and animal cruelty free, while also not containing 7 common chemical: Formaldehyde, Toluene, DiButyl Phthalate (DBP), Formaldehyde Resin, Camphor, Triphenyl Phosphate (TPHP) and Xylene.
 
 
I have another week and a half or so to enjoy this mani, so i’ll keep you posted on how the healing goes after the removal!


“be indebted to no one”

“be indebted to no one except to one another in love.” Romans 13:8

As I’ve been trying, and we continue to pay down debt, this verse has been on my heart. The idea of being in debted to no one EXCEPT in love. What an idea. That we only owe in love. It’s definitely made me rethink swiping my card before spending money.

I find that debt has taken up more space in my brain than just stress over finances. It’s caused stress when things unexpectedly occur, like my husbands truck getting totaled last Friday. It wasn’t paid off. We don’t have insurance on him if he gets hit by someone without insurance, and it was a hit and run, so we don’t even know who to track down for money!

It also has caused emotional strain. Not anymore, but there was a point when I realized I was bringing a lot of debt into our marriage where I felt guilty for the choices I made when I was single. For spending money like it didn’t matter, with no regard to the consequences. Now my sweet husband and I get to tackle it together, which isn’t his fault. It’s taken me a little bit of time to not feel guilty, but to turn that guilt into motivation to get out of debt ASAP!

What are you in debted to? Is it something that causes stress and is weighing you down, more than just emotionally?Hopefully it’s only to others in love! ♥️


Freedom is going to require change.

Stephen and I have been discussing what our life post honeymoon will look like. We both know that we’ll be buckling down when it comes to our budget to get out of debt as soon as possible.

I was listening to a recorded sermon by one of my favorite Pastors Steven Furtick. He was teaching about the Israelites crossing the red sea but made a statement that has really stuck with me.

” Freedom isn’t going to come with a good feeling. Freedom is going to come by force, focus and frequency.”

What a simple but incredibly profound statement. I heard it and immediately applied it to our future budget. Budgeting doesn’t come with a good feeling. In fact, it’s going to require a lot of change on both of our parts so that we’re able to one day have the life that we have been dreaming of, but it is absolutely going to take effort and be a challenge.