We started off our marriage at ages 21 and 22 with 185K in student loans and a baby on the way.

It was scary. REALLY scary. We had lived in our fun, happy world of college. (Actually, we both studied engineering disciplines so it was also a lot of hard work). Nothing had truly prepared us for what was to come: life. Like, real life. Suddenly the slamming reality of jobs, an infant, daycare, health insurance, taxes, and all these things we didn’t have a clue about. Yes, we both managed to get through differential equations, but the rest of this? Yikes.

Here are some things I believe.

  • You have the power to change your situation. (p.s. that’s why I’m doing this!)
  • Unless it’s a mortgage, debt is bad.
  • Credit cards can get you some awesome perks.
  • Never carrry a balance on a credit card.
  • Eating healthy is affordable if you make it.
  • Traveling can be expensive, but it doesn’t have to be.
  • Saving is important for financial and mental health.
  • The habits you form early can drastically alter your physical and financial health.

Oh and the other important piece of this puzzle is that we were both super into healthy living. Specifically, we decided that as we were paying off our student loans that we would NOT sacrifice our health. One of the best ways I did this was REALLY meal planning and saving. My focus is on cooking Whole30 and Paleo meals. However, that changed in Summer 2018. After some scary health concerns, Rachel was diagnosed with chronic gerd and now must eat a low-acid diet. So as of September 2018, look for low-acid meal ideas! All of this is done on a tight buget.

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