Hi, my name is Rachel Smith. I’m a 23-year-old full time engineer, mom, and MBA student. My husband Travis and I are working to pay off over six figures in student loans. It’s been a crazy ride, but in 2016 we paid off 25K in student loans and 3K in medical loans. Our goal for 2017 is to pay off 30K in student loans.
Of course, the tips and what we do can help out anyone who is trying to pay off debt, or to live a simple life. The reason I didn’t want this to become a “debt payoff” blog entirely is because I hope to reach the goal of being debt free fairly quickly. One thing we won’t let go of is budgeting. Our financial goals will certainly shift, but we’ll still have a budget. So there is the “budget” in the title. Kale? Well, most people link kale to health, so I just kind of threw it in there tbh.I wanted to begin writing to reach out to those who have acquired massive student loan debt. It’s a MAJOR problem in the U.S. that not many people talk about. Paying off debt this intensely can affect every aspect of life. One aspect is health. Some who talk about eliminating debt say to “eat rice and beans,” etc but I don’t agree with that for several reasons to be discussed elsewhere. Somthing that our family decided right away is that we would NOT sacrifice our health for the sake of becoming debt free. We eat Paleo (Whole30-ish) with the occassional Whole30. We pay for gym memberships (yes more than one) and use them. We also LOVE being outdoors. Camping and hiking will always be a priority of ours.

If you are interested to see how we live life and some other fun, random things from me (I also love skincare and makeup) then please join me in the journey!



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