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Debt Free Mom

Whether we love it or hate it, managing money is a part of being an adult. Why not make it as simple, realistic and dare I say as fun as possible?

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my costs have gone up and my income has gone down

June 16, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Hi, Reader! I feel like Captain Obvious when I say everything has gotten so expensive. Didn't we spend all of 2020 and 2021 saying that, have it chill for a few years (not that prices went down, just that how quickly they went up calmed down) And now 2026 has been another round of intense inflation. Before I dive into the ways our budget has been squeezed and what I'm trying to do about...

May 25th, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Hi, Reader! It feels like this happened 6 months ago at most, but we did in fact close on our house exactly one year ago this weekend! We not only moved homes but moved from renting to owning (again), moved towns, and moved schools! It was a big transition for us. May 23, 2025: closing day! the boys had never been inside the house. So how's it going now? It is everything we hoped it to...

May 4, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Hi, Reader! This week's newsletter is one we've never done before: Reader Q+A. I chose 3 reader submitted questions that weren't topics I've really expanded on over on Instagram and I'm going to dive into them here. How do you get over the fear of failure in budgeting? What the heck does Kyle do for work!? (Totally valid questions coming fresh off the heels of a trip to Mexico and...

March 23, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Happy March, Reader! I don't talk about it much on Instagram anymore because it feels like a lifetime ago, but for the first 4 years that I was a mom, I was a short order cook. I was making non-kid friendly dinners where I followed a recipe exactly, then frustrated when my very young kids wouldn't eat it. I would then feel like I had to feed them something so I would make grilled cheese,...

March 9, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Happy March, Reader! Dare I say we've made it through the majority of winter?! Spring officially starts in just 11 days and our 10 day forecast includes one day in the 70s! Now while I'm dreaming of open windows, short sleeve shirts and outside play... we just wrapped up our kids' big Christmas experience gift: Tickets to see Ben Rector in his Symphonies Across America tour. The closest...

February 9, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! hey there, Reader! This week's newsletter is oddly specific and I hope you're here for it: All Things Powdered Tide. Yes, the laundry detergent. I first learned that powdered Tide could be used for more than laundry from Go Clean Co. She uses it to mop, wash walls, scrub toys, etc. What I was immediately drawn to: minimizing the number of products I needed to use to keep my home and...

January 20, 2026This post contains affiliate links. I may receive a commission on purchases made. Thank you! Hi, Reader! Minivans are a much-debated topic in the mom car world and my first thought when I hear a mom say they'd never drive a minivan is: "Have you put all your kids in there, your groceries, your stroller, your multiple beverages, turned on a DVD that linked to wireless headphones so you didn't have to hear it, and cruised down the highway without ever worrying that your kids...

December 9, 2025 Hi, Reader! Happy December! If you’re like me, you feel like we’re in the heart of the holiday season chaos. So many of us want to create magical memories for our kids, yet it can feel like no matter how much we do, there’s always “one more thing” we’re supposed to add. But here’s the truth: the most treasured memories rarely come from big budgets or perfect planning. They come from the way the season feels. And the easiest, coziest way to create that feeling? Engage all five...

November 24, 2025this post contains affiliate links Hi, Reader! Today's newsletter is something new, but highly requested: a realistic review of two gadgets our family has been using for a while: The Gabb Watch for kids and the Skylight Family Calendar. If you've followed me on instagram for a while, you have seen me talk about how we aren't a low-tech family but we do have a lot of boundaries and precautions around the tech we use and don't simply upgrade or add gadgets to our lives because...

November 10, 2025 Hi, Reader! The holiday season has completely snuck up on me - and I know I say that every year. But this year in central Illinois the 90 degree heat stuck around until early October and yesterday we had our first snow dusting with some of it still on the ground this morning. Which makes our true season of fall-feeling weather approximately 4 weeks long. 🧐 I started setting money aside for Christmas last pay period. I use my savings account in Ally bank that can be divided...