frugalfish story

I became unemployed on December 31, 2007. (Due to a health issue, I cannot work outside of my home.) God honored our stewardship and we paid off our credit cards and auto loan in April 2009. We are now living on 63% of our 2007 income.

We paid off our home in December 2011. And paid cash to replace our van in November 2013. (I have subscribed to debtproofliving.com for years. It has been an invaluable resource.)

$ $ $ $ $ $ $ $

We have three grown children: Luke, Laura, & Derek, and one granddaughter, Olivia. When Luke married Bethany in November 2009, we paid our share without going into debt.

All three of our children bought vehicles without us co-signing the loan. Or loaning them money for a downpayment.

$ $ $ $ $ $ $ $

My husband did not make six figures. When we both were working we got about halfway there.

I play keyboard a couple of times a week for church. I enjoy singing, reading, movies, Soduko, crosswords, puzzles, sewing, embroidery, painting figurines, and quilting. I’m a comedienne…especially when I am under stress!

2015 Update:

My husband, David, got laid off January 2nd. The company went out of business at the end of that month.

He was unemployed for 3 months. He got a job with the company that purchased his former employer’s building. During that time we spent only $100 of our emergency fund. We still saved and invested in our retirement fund.

2016 Update:

  • January – health insurance premium increased 65%.
  • February – furnace cracked releasing carbon monoxide.
  • March – emergency gallbladder surgery.
  • April – replaced the central air.
  • May – our washer broke.
  • June – computer struck by a power surge.

We adjusted our budget for the health insurance premium. Then again to make payments to the hospital. We were saving for a new furnace/air conditioner and God helped us. The washer put our “new appliances” budget in the hole for a few months.

2017 Update:

We used our income tax refund to pay the hospital bill off three months early! Our youngest son got engaged. Now we are saving for a wedding!

We painted our house, repaired and painted our shed. Then installed a new garage door and garage door opener – without borrowing.

Our daughter bought a house, without us co-signing the loan. Or loaning her money for a downpayment.

2018 Update: 

Our youngest son, Derek, married Rachel. We did not go into debt for the wedding. They bought a house a week before the wedding! We did not co-sign or loan them any money for the downpayment.

We are enjoying an empty nest. I am rearranging rooms and getting rid of stuff.

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8 thoughts on “frugalfish story

  1. Great story. You have taken many negative events in your life and have turned them into a positive venture. Others might have felt beaten down by “life” but you seem to have a great attitude about all those unfortunate occurrences. There is a lot of financial wisdom in the Bible. A lot of it common sense which many of us lack when it comes to finances.

    Liked by 1 person

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