I have dreaded actually sitting down to calculate how long it will take us to pay off the remaining approximately $100,000. I was afraid of what the numbers would say and what that would mean for our future. We really are enjoying our time living in my in-laws' basement, but we still look forward to the day when we are done with student debt and can start saving for a place of our own. Our Debt The bulk of our loans (about $56,000) is at a 7.9% interest rate. The next $34,000 is at 6.8%. ... read more
How Homemade Bread is Helping to Pay Off Our Student Loan Debt
We have not bought bread since we decided to be serious about getting out of debt. It's one of many changes we've made to lighten our debt burden. First of all, you must know that bread is not something we take lightly. No Atkins diet for us! We often have PBJs six days a week. We also use bread for toast or french toast for breakfast. Sometimes, especially when there is hot bread just out of the oven, we have bread and butter for a snack or with dinner. There are a few problems with ... read more
Is this Extreme Frugal Living?
We don't live out of a van. We don't (usually) dumpster dive. We (very) occasionally pay full price for things. We buy disposable toilet paper (yes, there are very green people who use cloth, in case you didn't know). That is why my husband scoffed at my blog's original tagline: "Extreme Frugal Living to Match Extreme Student Debt." There's no doubt that six figures of student debt is extreme. The question is whether our frugal living qualifies as "extreme." My husband grew up in a ... read more
Cloth Diapering Anniversary
We are celebrating a year of cloth diapering around here. One year ago, we started cloth diapering with our third child, our 11-month-old son, as something of a frugal experiment. In the past, between coupons, sales, closeouts, and manufacturer deals, we spent very little on disposable diapers. When I could get diapers for $3 per package, I would buy dozens of packages, even when we didn't have a child in the sizes available. We never paid anywhere near full price for diapers and I never ... read more
Benefits of Living in the Boonies
My husband drives an hour each way to his office. It's not just the office that is far away. Except for the post office and the elementary school, there is nothing closer than 40 minutes from our home. Living in the boonies was a hard adjustment for me. In law school we were surrounded by friends. There was always something going on. The kids and I had play dates all the time. We had friends over for dinner often. We were close to everything. In the past year, I've learned to love ... read more
Living at Home
I mentioned that my husband is eager to buy a house. Much of that eagerness comes from the fact that we are currently living in his parents' basement. This isn't the classic deadbeat-adult-son-living-in-his-parents'-basement scenario. This is the attorney-and-his-wife-and-three-kids-living-in-the-parents'-basement version. (Update: We have four kids now.) It's not as bad is it sounds, though (and that says a lot coming from the daughter-in-law). The basement is really almost its ... read more
Welcome to Six Figures Under
Six Figures Under? Really? Yep. We currently have over $100,000 of debt remaining (and we've already paid off over $32,000)! You're probably wondering how in the world we got into that mess and why you would want to stick around to get tips from me. Well you can read our story to get the whole scoop of how got in this deep. Our friends and family would tell you (without any sarcasm) that we are some of the most frugal and financially responsible people they know. We really do have ... read more
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