Welcome to the Blog!

Hello, and welcome to Finance and Frugality. My name is Nicole, and I’m a 38 year old wife and mama to eight children. I started this page for both accountability and to offer encouragement. Our family began the Dave Ramsey plan in November 2016, and have since lowered our debt burden from $293,000 to $141,397. (We are now working on paying off our mortgage!)

To accomplish this goal, we sold our home and moved to a new state. We have drastically cut our lifestyle in the process. Becoming frugal doesn’t have to be painful. It involves analyzing the things that truly bring value to your life, and concentrating on those.

We still follow most of Dave Ramsey’s principles nowadays, but we also have gleaned wisdom from the FIRE (Financial Independence Retire Early) community. We are always learning, and are now absorbing as much as we can about investing while attacking our mortgage. Finances don’t have to be big and scary. Thank you so much for stopping by!

Thanks for joining me!

Good company in a journey makes the way seem shorter. — Izaak Walton

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