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We’ve worked with his ELPs before for insurance and were honestly shocked at the great rates they got us.)EEK!

Dave Ramsey has a radio show where you can call in and yell “WE’RE DEBT FREEEEE!

I once sat on an airplane next to this amazing lawyer who told me the goal of his family is to increase the percentage of their income they give away. I LOVED THAT and I never forgot it, so Andy and I made it our goal to increase our giving percentage as well.

Being able to give more freely since we paid off our mortgage has been one of the most amazing blessings of my entire life. Y’all, there are two parts of me screaming inside: one part that’s screaming for JOY, and the other part that’s screaming for you to understand my heart on this post. And we have sacrificed for YEARS to reach this goal. It’s HARD and there’s a lot of sacrifice there, but even setting small goals (like following these baby steps by Dave Ramsey, who is an author and financial speaker) will give you hope, motivation and space to reach for gradually bigger things.

I know for a lot of people, times are tight right now and I’m absolutely terrified that you will think I’m boasting. Now that we’re on the other side of things and have had a couple months to let it soak in, one thing that’s really struck me is this: I’m not happier now.

I was really, really happy eating peanut butter and jelly sandwiches in a crappy rental house as broke newlyweds.

Everything extra we could scrounge went toward the mortgage, and this is what really fueled the DIY fire and pushed us to do our projects on the tiniest of budgets — because we knew our goal: be able to live comfortably on one income so one of us could stay home with the (still-unborn) kids. We bought less house than we could “afford.” The bank wanted to loan us more than double what we knew we could comfortably pay.

(Everything we’ve ever used from the Dave Ramsey site has been amazing.

Check out this post for some of the creative ways we saved money!

We didn’t make a crapton of money during that time.

The best prescription I found for that was to keep giving throughout the process, even when it didn’t make sense.

Giving for me has been like a cooling salve, a medicine to keep me from becoming a scrooge or losing focus of what is important (and that is loving people).

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