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Blogging Away Debt Highlight Reel (Part 1)

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Some readers have noticed that our posts have become shorter and less frequent.  We’ve just had a hard time keeping up with the required schedule of blogging here 3 times per week.  And so, it was this week that I emailed the site’s owner, Jeffrey, and suggested he’d be better off to find someone who could keep up with the schedule on this site and display a bit more passion for the task.

Jeffrey was very understanding, given that we have not only missed several scheduled blog posts, but also left him with the task of finding a replacement just 9 months after we started.  We want to say thank you to Jeffrey and his colleague Nate for the opportunity to blog here and learn from the community of readers and supporters.

Even though we won’t continue blogging here, we have learned a LOT from the community in the last several months.  First, we gained a TON of tips for managing our spending day in, and day out.  Many people encouraged us with ways to save money on household expenses, car maintenance, groceries, eating out, entertainment, etc.  We are extremely grateful for those who taught us some things about owning a house since we just bought our first home together in 2013.

We also learned a lot about being creative with our finances.  I especially enjoyed discussing do-it-yourself projects with the readers, and Emily and I LOVED those who discussed with us about how to tastefully, creatively, and naturally decorate our house for Christmas without spending a ton of money.  We had a beautiful Christmas with our family in our new house and Emily knocked the decorations out of the park on a very tight budget.

Ahhh, the CAR MAINTENANCE.  This has killed us over the last few months.  We definitely learned not to have rotors turned, and to definitely keep up with scheduled maintenance like oil changes because missing these things can have expensive consequences.

We learned to provide a proper shelter for our GOATS and chickens.  The goats appreciate their hay-lined lean to during our infrequent rainstorms now, which I built out of $5 pallets and a leftover tarp.  Good news – our female is officially expecting! We think she’ll kid within 3-4 weeks.  We are hoping we don’t have to “assist.”

We really, really appreciated learning how different married couples and families arrange their budget.  Budgeting as a single person is probably much easier, but agreeing with a spouse and keeping discipline to an agreed upon plan is much much harder.  We still haven’t conquered this beast but I can promise you that we read every single comment and anecdote about how you’ve done it.

There is much, much more we’ve learned in our 9 short months on this blog.  You’ll hear from Jeffrey about finding the next blogger, and we will fill in over the next few posts to wrap up our time here.  We are going to continue on our debt payoff plan and still intend to be debt free by the end of 2015.  We are not giving up debt payback.  Just writing about it!

Thank you to all the readers who have supported us in this last year, and thank you for reading!

Visit to the farm

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Our visit to the farm was wonderful indeed.  They had it all – goats, sheep, chickens, turkeys, ducks, donkey, mini horse, and a big organic garden.  They’ve built it from the ground up over the course of the last 5 years.  They are meticulously organized and seemingly unconcerned about profit.

The story was that the owners want to spend a little more time with grandkids, so they need additional caretakers to keep the farm under control when they are away.

We have been rolling this opportunity around in our heads and I, for one, am so conflicted about it.  On one hand, it would be an unbelievable learning opportunity for both of us.  We once took a Strengths for Couples class, and one of the instructors said that one tip for a successful marriage is to have a shared vision of the future that you are jointly pursuing.  We have talked about having a U-Pick farm, market, and activities center as one of our potential future paths, and so this chance to actually do the work and learn how to actually be farmers is unparalleled.

The economic value for us is probably in the neighborhood of $1200-$1500 / month, depending on how much farm sales income we could generate and how much we rented our house out for.  So that would be good for our debt payback.

On the other hand, as some readers mentioned, it would be A LOT of work.  There are other caretakers, and they have a rotating cast of volunteers, so we wouldn’t be on call 24/7.  There would be an occasional day off.  But still, the workload would be tough.   I sometimes already feel like doing my day job, and dealing with bills and renters and what not already keeps me too busy, so I’m really nervous that this would put me over the edge on busyness.

Another concern is that we would be so far removed from our current lives.  I mean, this farm is REMOTE. In some ways this could be good as we could reduce our consumption/spending of “city/suburb stuff” by being out of town.  But, we’d be too far to spend much time with any of our friends, and we’d have to find a new church, and adjust our schedules to life on the farm.

The owners have invited us to work on the farm for a weekend in February to see how it would go for us.  We might take them up on this offer.  But I am approaching this opportunity  with extreme caution.  We are both very interested and really want to do it, but I think we both realize that it would be a huge life change for us and could be a very difficult period of our lives.  We are very torn.  Thanks to everyone for reading along and commenting, especially those who had some real life experience farming.

Debt update coming!  I’m travelling for work this week but will get it put together soon.