Our Debt Free Family

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October 2019 Update: Searching For Relief

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Relief

If you’ve been keeping up with us recently, you know we’ve had some unexpected expenses, including my being in an upcoming wedding this weekend. We haven’t made any huge progress where our debt freedom is concerned, but we are looking into things that may help us in the near future.

Our Update For October

The last detailed update we provided on the blog was in August and we were completely stalled. We have made some progress since then, but not a ton. In August, the numbers were as follows…

  • My Car Amount Owed: $21,333
  • Drew’s Car Amount Owed: $0
  • Credit Card Total For Both: $483
  • Student Loans (Mine): $24,002
  • Matco/Snap-On: $7,543
  • Amount in Collections: $679

About two months later, we haven’t seen a whole lot of progress. Here are the updated numbers…

  • My Car Amount Owed: $21,302
  • Credit Card Total For Both: $502 (interest is a KILLER, folks)
  • Student Loans: $24,184 (I had this pushed off until the beginning of the year because my husband has been out of work)
  • Matco/Snap-On: $7,449
  • Amount in Collections: $679

If you do the math, you’ll see our overall debt has actually increased to $54,116 from $54,040. Unfortunately, this is due to interest rates and, where my student loan payments are concerned, deferring payments.

Despite us still being stalled in many ways, we’ve both been looking for ways to increase our earnings. As you know, my husband was out of work for a bit. He has gotten more steady work and is beginning to get paid regularly again. I was also lucky enough to score an Instagram influencer gig that will bring in an extra $1,200 later this month. That will all go towards paying off some kind of debt.

IRS Tax Debt

One of the biggest things weighing us down currently is my payment arrangement with the IRS. Because I largely freelance for work, no taxes are withheld and I fell behind in 2017 with saving to pay for those. Additionally, I filed for an extension for 2018, which is due later this month. This will only add to my IRS bill.

That is SUPER stressful. Right now, I am paying about $129 per month to the IRS. It will increase slightly once I file for 2018. I’ve been looking into tax forgiveness programs that may be able to assist us, especially since my husband has been out of work so much within the past couple of years.

Total tax debt forgiveness is a myth, but there are a few options you may want to consider if you’re in a similar situation.

  1. Innocent Spouse – This can give you the ability to claim deniability if your spouse owes a lot of money. It will get you off the hook for the tax bill, but your spouse will still need to pay. This program isn’t for forgiveness but helps ensure the person responsible is the one being billed.
  2. Offer in Compromise (OIC) – An OIC agreement with the IRS can help you decrease the amount you owe significantly. However, not many people qualify for this type of program. Less than 25 percent of those who apply for OIC each year are approved. You also have to provide very detailed information about your finances, which can backfire on you with the IRS.
  3. Currently Not Collectible (CNC) – If you really can’t pay anything back at the moment, you can try to request a CNC. To qualify for this program, you will need to be in a situation that would put you in financial hardship if you made the payments. The IRS will revisit your status after some time though, so you may end up having to pay down the road if you become able. Your tax debt “lives” for 10 years.

I’m not moving forward with any of these options yet. I will be consulting a tax professional, however. My husband and I are hopeful we will be able to get some help from a client of his for next to nothing. He has experience getting people off the hook for their tax bills (or finding more write-offs to make the amount owed much less).

For now, we will continue to have our sites focused on becoming debt-free, including this looming tax debt. Readers, where are you in your debt-free journey? I’d love to hear from you in the comments!

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How Much Does It Really Cost to Be in a Wedding?

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Cost to be in a wedding

I was recently asked to be a bridesmaid in a friend’s wedding. I’ve never been asked before, so I was thrilled. She and I have become extremely close and I was honored. However, I didn’t realize how much it may cost to be in a wedding.

Debt-Free Living and Big Events

Sometimes I’ve found that our goal of being debt-free keeps us from doing things. Many of our friends and family don’t hesitate to swipe a credit card or take out a small loan for just about anything. (Seriously, one friend has $20,000 in credit card debt because traveling is more expensive than financial health).

Oftentimes, this means we turn down invites to go to larger events that may cost more money. We’ve turned down group trips and music festivals, which can run in the hundreds of dollars for a single ticket.

When my friend asked for me to be in her wedding though, I had months to get things ready and didn’t have to worry about swiping a credit card (because we aren’t doing that anymore).

How Much Does It Cost to be in a Wedding?

So far, the wedding will be costing me about $512. That isn’t including any additional money I’ll need during the bachelorette weekend for food, bar entry, etc. It also doesn’t include the wedding gift. When all is said and done, it will probably wind up costing me close to $800 to be a bridesmaid.

After doing some searching, that’s about the average cost for anyone to be a bridesmaid these days (seriously). Of course, I said yes before we had a TON of financial changes in our lives and pulling everything off has not been easy. If you’re thinking about being in a wedding and want to remain debt-free, consider these tips to keep cost low.

  • Be honest about your financial situation. If something is too expensive, speak up about it, but don’t be negative. Come forward with more affordable solutions.
  • Suggest the bridesmaids get different dresses in the same color. This can help you shave down the cost of your personal dress while still having uniformity.
  • Consider skipping out on the spa day and doing some of the beauty items DIY. Do your own hair and makeup. Skip the nail appointment and do them yourself. While it is fun, it isn’t necessary.
  • Stay in an Airbnb. If you’re traveling for the wedding or bachelorette party, stay in an Airbnb. You may even want to consider getting a group together to do so.

Lastly, don’t be afraid to say no. While the bride may be disappointed, if you can’t afford the cost of being a bridesmaid, it isn’t worth the stress you’ll put yourself (and the bride) through.

Readers, have you been part of the wedding party? How much did it cost you? How did you plan for it?

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Learning to Live on One Salary

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live on one salary

In my last update, we celebrated having paid off $20,000 or so in debt within one year. However, there have been a lot of changes with our cashflow in the house that has hindered the speed of that continuing. Mostly, we are down to one (main) salary.

My husband is breaking off on his own a bit and has been considering starting his own business. Because of this, cash flow on his end hasn’t been consistent. We’ve lived on one salary multiple times in the past, but every time it is different. Here’s how we’ve learned to live on one salary (and benefits of doing so).

Learning to Live on One Salary

Living on one income isn’t as hard as it sounds. First, you have to come up with a budget that only requires a single budget. For us, it is my income because it is more stable. Your family may want to choose the larger (or smaller) income, depending on your financial goals.

If you are over budget when you tally up your expenses, see where you can cut costs. Do you really need Hulu, Amazon, and Netflix? Or, if you’re looking for a bigger decrease, consider downsizing to a smaller home to better fit your new one-income budget. Others may find it beneficial to move to a more pedestrian-friendly area to cut down to one (or no) car payment or walk more places. If you’re comfortable doing so, you may even consider taking in a roommate or renter.

Consider giving up your indulgent behaviors like going out to eat, junk food, and other items as well. You certainly don’t need to eat out every Friday and spend tons of money on junk foods. This will help cut down the cost of food in your budget as well.

Why You Should Live on One Income

You’re probably thinking, why would anyone willing to live on a single income? It can be difficult and, at times, hinders you from being able to do everything you want to. It can also help you achieve some of your financial goals and feel more secure with your finances as a result.

  1. It makes saving money easier. Simply save your spouse’s income instead of spending it. If you can live on one income, why not bank the rest? You can create a strong emergency fund.
  2. You can use the cash for debt repayment. If you want to focus more on your debt payoff plan, living on one salary can make that more doable as well. Learn to live on one spouse’s income, then use the second to pay off what you owe.
  3. Financial security increases when you have a surplus of cash flow. You have more money than you need, why wouldn’t you feel more secure? You have the ability to invest in your future, pay off debt, and increase savings. It can truly pave the way for financial freedom.

Not to mention, if you live on one salary, you will always be ready if something happens to one of your jobs. You’ll have some savings, and you will be able to continue your current lifestyle until your spouse finds a new job (or starts earning more).

Our Debt Freedom Progress

live on one salary

So, while we are adjusting to living on a single income again, our debt freedom progress has been slow. However, today we paid the final $175 payment to completely pay off a credit card. That will free up an additional $175 for us each month to redirect towards other debts and savings.

In the next few months, we will be paying off other accounts and see our debt freedom progress continue. I will be in a wedding in October, which will be a small cost (around $200 total). We have prepared for that cost though. Both of us are planning to spend the holidays at home as well, to cut down on travel costs.

Readers, have you lived on one income? Tell me about your experience in the comments!

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Can You Talk to Your Spouse’s Collection Agency?

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Talk to your spouse's collection agency

As you know, I recently got married. My husband and I have had anything but “normal” for the first few months of marriage. We’ve moved, had a few job changes, moved again, and now we are finally ready to refocus on paying off our debt. Hubby doesn’t like to call and talk to anyone on the phone when it comes to finances, which got me wondering on how I can help. More importantly, I needed to find out if you can talk to your spouse’s collection agency.

Can You Talk to Your Spouse’s Collection Agency?

Many people would read that and say, “make him do it himself.” However, in our marriage, it is important we both support each other in the areas we aren’t super comfortable in. For me, he takes care of in-person meetings and anything we have to take care of face-to-face. I take care of bills, most of the finances, and anything we need to make calls about.

So, the answer is yes, you can talk to your spouse’s collection agency. As far as collections are concerned, a spouse is the same debtor. You may even receive calls about your husband or wife’s debt without being asked to.

No collection agency is allowed to disclose information to any other third party without consent. To get that, you will need to give verbal and/or written consent to the collection agency for the third party (friend, relative, etc.).

Some additional information may be needed to verify you have consent to talk to the collection agency as well. In some cases, they will ask you to set up a verbal password for the phone. Other times, they will ask you to verify the account holder’s Social Security number, phone number, account number, or other identifying information.

Managing Debts Together

Most of our debt is in joint accounts (except for my student loans). For the most part, I draw up the budget, and plans for paying off debt each month. My husband has a certain amount of “play” money that he uses for whatever he’d like, as do I.

When it comes to managing money together, that is what works best for us. I think it is different for every couple. Finding what works for you and your spouse is what is important.

How do you and your other half manage money together? 

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Is Your Outlook Holding You Back?

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outlook

Most people look at me stunned when I say my husband and I have a debt freedom goal. One of my best friends literally lives on credit cards, while others scrounge paycheck to paycheck just to be able to go out to eat and live above their means. What I’ve found is that it isn’t your financial situation that sets you back from reaching debt freedom. In most cases, it is your outlook that makes the difference.

I’m Overly Optimistic

I must admit, I am an overly optimistic person, especially when it comes to the future. After all, it can be whatever you want to make it, right?

This can be both good and bad. Sometimes I do fail to see what could go wrong or when things just aren’t possible. I refuse to accept “can’t.” My husband, on the other hand, is someone who thinks of everything that could possibly go wrong and finds a solution for each of those problems before they even happen. We balance each other well that way.

However, my positive outlook has been beneficial in many areas of our lives. From our debt free journey (we are $20K+ down in a year) to our fitness journeys, positivity has been key!

How a Positive Outlook Has Helped Me With Weight Loss

If you don’t already know, I have been on a weight loss journey alongside my debt freedom journey. Over the past three years, I’ve lost about 132 pounds. My husband has lost 70.

outlook

One thing losing weight and paying off debt have in common is that they are both difficult. Extremely difficult. I have to look for inspiration daily to keep on track with both of these goals. Whether I find a new inspirational person to follow on Instagram, read some inspirational article or book, or simply have a dose of daily affirmation, positivity keeps me moving forward.

Positivity and Paying Off Debt

They say there are characteristics most debt-free people have. One of these, for us, is a positive attitude.

We took a look at our finances a couple of weeks ago so that I could provide a debt update here on the blog. When we tallied everything up, we’d paid off $22,565 over the span of a year, bringing our $65,000 debt down to around $40,000.

There are plenty of days we both want to quit and run a credit card for something or take a break from payments to go on a trip. We are both able to keep a positive mindset when it comes to paying off our debt because we know how great it will feel once we reach our goal. We already know what it feels like to hit goals in our weight loss journey and can’t wait to feel what it feels like being debt free!

All in all, a negative outlook could really harm your chances of meeting any of your goals. If you don’t think you can do it, you won’t. Clear your mind from negativity and move towards your newly painted future, whether it be health, finances, or other goals you have in mind.

What do you think? Has a negative outlook ever impacted your ability to meet goals? 

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The Great Debate: Dip Into the Emergency Fund or Take on New Debt?

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Take on new debt

In a “debt freedom” community, it is hard to ever feel good about taking on new debt. I cringe at the idea of adding anything onto our current payments, but an emergency has happened. Now we are finding ourselves wondering, should we bottom out our emergency fund or take on new debt?

Cons of Dipping Into the EF

We recently moved to Atlanta from Charlotte, which costed a bit more than we anticipated. Because we are far from our family and friends, our main goal was to pad our emergency fund and leave it there. If anything happens, we can no longer call someone to come help. We have to rely on ourselves 100 percent.

That being said, after a visit with the dentist, I need all four of my wisdom teeth out. The bottom two are threatening my ability to breathe and the top two are causing my sinuses to swell (it is becoming an emergency). I got antibiotics, which helped the swelling but I need to have oral surgery.

We don’t have health insurance yet from my husband’s new job, and we don’t know if purchasing it will be worth the money honestly. So, for this, I have to pay out of pocket. After doing some research, I realized this will likely cost between $800 and $1,000 (our entire emergency fund).

While I don’t really want to take on new debt, dipping into our emergency fund would make us both pretty uneasy. We’d have nothing to fall back on.

To Take on New Debt or Not…

After chatting with the oral surgeon, I inquired about a possible payment plan. They don’t do anything in-house but I could apply for a Care Credit Card. The words “credit card” send chills up my spine, but if it made it possible for us to have peace of mind, I think it would be worth it.

Now, I have to be approved for the credit (which is up in the air), but if it is paid in full within six months, I’ll pay zero interest. Paying $800-$1,000 in six months will be no issue for us, but adding another thing to pay each month is causing some anxiety.

When it comes down to it, if I’m approved, we will go the payment route, even though it means taking on new debt. Sometimes peace of mind and your health come before your financial goals. We’ll come to terms with that.

Have you had to take on new debt for an emergency? 

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’13 Reasons Why’ Being Debt Free is Awesome (and I Can’t Wait for It)

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Being debt free is awesome

Debt freedom. Those two words literally make me grin ear-to-ear, and who wouldn’t? Can you imagine what your life will be like once you’re no longer being crushed under credit card bills and car notes? Here are 13 reasons why being debt free is awesome (and I can’t wait to get there).

13 Reasons Why Being Debt Free is Awesome

Although I haven’t gotten there (yet), I’ve heard plenty of people talk about how great it feels to have the heavy burden of debt lifted off your shoulders. Here are a few reasons why it feels so awesome…

1. You are free to truly live.

When you aren’t bogged down with your finances you are free to enjoy other things in life. Maybe the stress of your debt made it impossible to go on vacation or practice good self-care. Without debt, you’ll have the ability to do what you want to do when you want to do it.

2. You feel accomplished.

Most people who have accomplished the feat of debt freedom say there’s nothing else like it in the world. Once you’ve paid off your last account, the sense of accomplishment is astounding. It is enough to boost your self-esteem and help you gain confidence where your money is concerned.

3. Being debt free strengthens your marriage and relationships.

This is especially true if you worked on being debt free with someone. For instance, my husband and I are working together on our debt-free goal. At the end of this journey, we will come out stronger (and avoid debt like the plague).

4. You’ll have more money.

When you’re not paying on your credit cards or other debts every month you’ll have more cash flow. At first, it is important to take this extra cash and fully fund your emergency savings (3-6 months of expenses). After that, you can spend freely, invest, and build wealth.

5. Debt free folks have more fun.

It is true! You’ll be able to take that vacation you’ve been postponing without worrying about being able to pay the bills. Not to mention, you won’t have to check your bank account before you go out with friends. You can have peace of mind where your finances are concerned.

6. The feeling of financial security increases.

Being debt free is awesome because it makes you feel more secure in almost every aspect of your life. Financial security increases, security within relationships, and feelings about yourself all become more positive.

7. You can make changes you’ve been wanting.

Many people who become debt free find themselves changing jobs or moving once they’ve reached their financial goal. If you’ve been putting off going after your dream job or moving to the beach, becoming debt free can help you make those changes.

8. Now you have the opportunity to build wealth.

Now that your debt isn’t weighing you down you have the opportunity to begin saving, investing, and building wealth.

9. Maybe you can retire early!

While you’re building wealth, you’ll also be building your retirement fund. Most people who become debt free early on find they are able to retire early.

10. There are fewer risks and more peace of mind.

When you’re holding on to a lot of debt there is always something worrying you. With less liability hanging over your head you’ll have peace of mind.

11. Your stress levels will drop significantly.

Because of the peace of mind you’ll receive from being debt free, your stress levels will drop. You won’t be biting your nails over the next credit card bill or whether or not your car is going to be repossessed.

12. Being debt free is awesome for your mental health.

All of this has a profound impact on your overall mental health as well. Many people find they are no longer depressed, have more energy, and feel happier. (Remember, debt is not a death sentence.)

13. You’ll be able to live your best life being debt free.

When all is said and done, paying off your debt will free you up to live the best life you possibly can. You will have the freedom to do whatever it is you want to do (within reason, obviously). Take the trip you’ve always wanted, send your kids to college, retire early, and live the way you want to.

For those that are already debt free, what is your favorite part about it? 

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I’m Ditching The ‘Dream’ Wedding and Moving 4 Hours Away

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ditching dream wedding

This update has been a couple of weeks in the making but we wanted to make sure everything was final before announcing. In some of my most recent blog posts, I talked about planning a debt-free wedding. That will definitely still be happening but in a different timeframe and manner than we’d originally planned.

I’m ditching the dream wedding. We are having a courthouse ceremony next Monday. Then we are moving four hours South to Atlanta! 

Why The Move?

My (very soon) hubby-to-be has gotten his dream job offer down in Atlanta. He’ll be running a Porsche shop there. This is a huge career move for him and it comes with a ton of perks for us as well.

Of course, I work from home so there is nothing keeping me rooted here work-wise. In addition to the “dream job,” he will be getting a decent pay raise and we will also have a rental house to live in “rent-free.” I say “rent-free” because it will be considered a portion of his initial salary.

The house is only four miles from the shop he’ll be managing. Not to mention, we will finally have a yard for Enzo!

What This Means For Our Debt Free Journey

All those small perks aside, what has really driven our decision to move forward with this move has been the financial aspect. Yes, of course, this is an absolute dream come true and this could be where my other half spends most of his career.

On the financial side of things, we have the opportunity to finally pad our emergency savings the way we’ve needed to. We will have the money to pay off debt (and way faster than we’d initially planned). In fact, if everything goes to plan, we could find ourselves being debt-free in a year and on our way to buying a home.

Considering All Things

Since my husband-to-be received the offer, we have been over-the-moon excited. It almost seemed to good to be true and I am thrilled to get to start our married lives together in a city neither of us has spent any time in before. It will be a fantastic adventure and will put us on the right track financially for the rest of our lives together.

That isn’t to say we won’t miss being close to family and friends. Of course, we will. We will also miss out on the big “shebang” of a wedding we were planning later this year. But, we can always throw a celebration down the road and will celebrate with the immediate family able to make it this week.

All in all, I can’t wait to see what this next move does for our family, our relationship, and our finances. And, I can’t wait to keep you updated about it here!

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Debt-Free Wedding Planning and Prepping for the Year Ahead

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debt-free wedding

Since my last personal update on the site, a lot has happened. First, we’ve announced to our friends and family we will be getting married this year (tentative November 2 date). Instead of eloping to Vegas, we decided to spend the money we would have on the trip and hold a ceremony here with everyone.

*Visibly Panics*

I’ve never dreamed of having a large wedding but, since announcing, I’ve gotten more excited by it day by day. But, of course, like everything with finances, it will be difficult. This is especially because we will be maintaining regular payments on all of our debt while putting together a completely debt-free wedding.

A Debt-Free Wedding

It is extremely important to both of us to not rack up any more debt planning a gathering for our family and friends. For this reason, we have vowed to pay cash for everything that has to do with the big day.

I’m thrilled about this and believe that if we buckle down on our spending we’ll be able to do this easily! Plus, we’ve got some awesome family and friends willing to help us make this dream come true. Here are a few things we are going to do to keep cost low.

  1. We are serving tacos. We both love tacos and they’ve grown in popularity in recent years. So, we will have a taco bar at our wedding. After looking at some catering places, we are expecting this will cost about $12.95 per person (much less than the usual $60+ we’ve been quoted elsewhere).
  2. Search for venues outside the city. Venues close to the city were priced at $6,000+ for a four-hour event. Once we looked outside the city, we found venues willing to rent their properties for two days for $2,100.
  3. Nixing the traditional cake. We will have a two-tier cake with cupcakes. This will cut the cost a bit but still give us the chance to get a photo of cutting our wedding cake.
  4. Make it kid-free. After some consideration, we decided to make our wedding a kid-free event. I found some tasteful language to depict that on the invites and (hopefully) our friends and family with children under 15 will be able to make arrangements.
  5. Skip the RSVPs. Many wedding sites (like Zola) will allow your guests to RSVP through your wedding website. This can save you $1+ per person on RSVPs. If some of your guest list isn’t very tech savvy, you can also offer them the option of calling you. Then you can log the RSVP in the site with the others.
  6. Wear a suit instead of a tux. Tuxedos rentals, or buying a tux, can be extremely expensive. Consider buying (or renting) a nice suit instead.
  7. Keep your wedding party small. We have limited our wedding party to four people: a maid of honor, one bridesmaid, a best man, and one groomsman. This will help keep wedding gift costs low and (for us) cuts down on the stress of planning.
  8. DIY your decorations. Pinterest is going to be your best friend if you are going to DIY your wedding. You can search different color combinations and theme ideas. Then grab the members of your wedding party and get to making some decor!
  9. Utilize the skills of family and friends. If you have family members that do photography, DJ, or plan weddings, don’t be afraid to ask them about helping at your wedding. Of course, don’t expect them to work for free, but they are likely to offer a bit of a discount.
  10. Take advantage of free services. There are tons of wedding planning websites and apps out there that will help you plan your event for free. Take advantage of these sites and any other freebies you can while you’re engaged.

Lastly, don’t panic. As I may have mentioned earlier in this blog post, I panicked a little when we first decided to have an actual wedding. However, the key to keeping things under control and within budget is to stay calm and think about your options. As we’ve been comparing prices of venues and different caterers, we haven’t given any answers or deposits right away. Instead, we take a moment to look at the budget as a whole and go from there.

Wedding Gift Plan

Of course, we are going to have a registry and will absolutely love any gifts we receive from our loved ones. We are also hoping to be gifted the best present of all: money. Any cash we receive for the wedding we’ve decided will go towards paying off our current debts. We will also start a small “honeymoon” fund so we’re able to take a trip later in 2020.

Overall, I’m beyond excited to plan this wedding and share it with you all. I also can’t wait to share how I’m able to pull off this debt-free wedding and share any tips/tricks I learn on the way. Lastly, I can’t wait to embark on this journey with my other half.

First comes love, then comes marriage, then comes financial freedom.

Readers, did you go into debt celebrating your marriage? How long did it take you to pay off?

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Our First Thanksgiving

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thanksgiving budget

My last personal update had a ton of good news and it seems like that isn’t going to stop any time soon. In fact, we have some even better news!

Debt Payoff Progress

We paid a total of $391 on our credit cards this month (the first payment in a while). It felt so good to be getting back on top of each of our payments. We’re also happily saving up our $1,000 emergency fund. Once that is in place, we will have quite a bit more cash to snowball our debt. We are half way to our savings goal currently.

On top of that, we have a family first…

Our First Thanksgiving

My other half and I have had two Thanksgivings together (this will be our third). However, we haven’t ever hosted Thanksgiving. Our first holiday together, we visited with his family in Tennessee, and last year we stayed home and had a meal with just the two of us. This year we will be hosting our family!

This is huge for a few reasons.

First, I am happy we have the ability to host our family this year. We aren’t scraping by so badly we can’t spare $40 for a meal. This has given me some additional optimism about our current financial situation.

Second, it is absolutely a big deal to have the family here, in our home, and cook for them and have quality time. We’ve not had the entire crew here before.

Lastly, we have a budget and we’ve managed to stick to it! Here’s how…

Thanksgiving Budget

Like I said, we’ve managed to keep the entire meal under $40. Everything costed $36.89 to be exact. It hasn’t added any additional cost either!

We scoped out the different sales on turkeys and picked a 15-lb bird up for $4.10. The promotion required you to purchase $35 in groceries to get the $0.27 per pound price, so we just purchased our week’s worth of groceries and got the turkey at a decent price.

Everything else, we’ve picked up at Aldi. Because I had some marked down meat stored away, the “extra” cost of the Thanksgiving fixings was offset by having backup meals at home already. So, we didn’t go over our $50/week grocery budget when we got everything else either.

So, essentially, Thanksgiving isn’t going to cost us any extra this year! We are looking forward to a nice Thanksgiving with family in OUR home (without even altering our budget). How awesome is that?!

Readers, what do you have planned for Thanksgiving this year? 

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