About Me

Hi, my name is Rachel Smith. I’m a 24-year-old full time engineer, wife, mommy of a toddler (and one due April 2018!), and MBA student. My husband Travis and I began this journey with well over six figures in student loans. We are now debt free  with our 3-6 months emergency fund. As of October 2017, we moved into our first/forever-while-we-live-in-this-state home!

Snowshoeing Rocky Mountain National Forest. I got us airfare from Chicago to Denver for $54 per person ROUND TRIP. I’m savvy, trust me!

This blog began 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. 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. In fact, we even did this during “Baby Step 2.” We also LOVE being outdoors. Camping and hiking will always be a priority of ours.

Since beginning this website, I’ve grown into other interests including

  • Natural Hair – aka no heat tools, no silicones, no sulfates. Just my wavy hair.
  • Minimalism/Zero Waste – these interests arose from a tight budget actually! I found Marie Kondo when I was gifted The Life Changing Magic of Tidying Up, and realized I could apply this principle by selling items that didn’t spark joy and using them to work towards our financial goals. Zero Waste begins with “refuse,” so anything you don’t need, you don’t buy. Trust me, that is a principle that definitely extends into living within your means.
  • Makeup&Skincare – always have been a interest, I just didn’t think to write about them. Now I do occassionally

I jokingly call myself a “Jack of all trades, master of none.” It’s important to remember that the full quote is actually “Jack of all trades, master of none,though oftentimes better than master of one.” I have varying interests and like to write on many of them. If you are interested in a particular topic, make sure to comment on posts and it help guides me to write more of those!

If you are interested to see how we live life and some other fun, random things from me then please join me in the journey!



WEBSITE DISCLAIMER (aka the SUPER important extra serious stuff) – I am an Amazon Affiliate user as well as an affiliate of other websites. I also occasionally link coupon codes that return me a percentage as well. This costs you NOTHING, but I can get a % back on your Amazon puchases or other link-related memberships/purchases. Since this site is still so small, I’m puttng 100% into creating better content at this time. Example: I was able to buy some artifical lighting because I can only take photos once my toddler is asleep for the night. Every bit helps budgetsandkale, so thank you! In fact, if you {click here}, you can buy the Whole30 book to change your life and support budgetsandkale!