Saturday, July 30, 2016

3 Lessons We've Learned by Living Debt Free and more...

Intentional finance. Intentional family. Intentional business.

21 days email header graphic

3 Lessons We’ve Learned by Living Debt Free

debt free

Guest post from Dina-Marie of Cultured Palate

Becoming grape farmers was a huge lifestyle change for us with important lessons about financial freedom… but first let me give a bit of background.

In 2008 our family moved from Alabama (where my husband had been a chemist for 20 years) to west Texas, to start a vineyard. At that time, we had 8 children… and leaving the secure corporate world was a big step!

We were counting on the sale of our home to fund our vineyard expenses. We rented a small house within walking distance of the land and began work to turn the old cotton circle into a vineyard.

It took 5 years for the house to sell but during that time, we learned 3 valuable lessons:

1. Frugality and Good Stewardship Go Hand in Hand.

We were able to use our retirement and another small investment to pay the needed expenses to plant and care for the growing grapevines. But, when the money ran out, we were forced to make a choice – return to Alabama or do what it took to make things work without debt. To make ends meet, my husband and older children took a couple of paper routes. They would wake around 4 am, deliver papers, return home to sleep for an hour or so and then work in the vineyard.

When money is tight, perspective changes and items which would have been thrown out now have value. With eight children still home, I had made a monthly meal plan and knew how much each meal cost to serve. I was already in the habit of budgeting so I knew where the money went. Shopping sales turned into shopping thrift stores and coupons became a way of life. Getting staple items like laundry detergent, free or almost free, became a game I really enjoyed.

2. Working Together as a Family Strengthens Relationships

Who would ever think of a paper route being such a blessing! It paid our monthly living expenses and I got all the unused Sunday papers, so I had a wonderful stash of coupons!

All the children helped with the paper route, milking, chickens, gardening, and vineyard work which gave us a stronger family bond. Working together for a goal builds character and relationships!

With everyone working together, and with the Lord’s help, we made it through until our first harvest. Plus, we learned so much about frugal living.

3. Staying Out of Debt is a Choice

We were committed to stay out of debt, so we planned our home at the vineyard to be built in stages.

It took three years, but we now live in what will eventually be the basement. This past year after harvest we even started the upstairs by adding the first floor walls and roof.

Doing the work ourselves has saved money and taught important skills to the children.

Yes, it is slow but it’s worth it!

We have a debt free, comfortable home and have learned so much in the progress!

5b947084-5bb5-4fc5-9321-1d0184b8d5ba

8x10

Dina-Marie and her family live in west Texas on their family vineyard. She is the mom of 10 children and author of Cultured Palate blog where she shares about life on the vineyard and simple healthy living. Remaining debt free and encouraging others in financial freedom is important to the whole family. Home educating takes most of her time but she also enjoys cooking and gardening.

    
 

Free 5-Day Happiness Dare Email Series

The Happiness Dare 5-Day Email Series

Jennifer Dukes Lee — the author of one of my recent favorite books The Happiness Dare — is offering a free 5-day e-mail series starting on Monday.

In this series, you’ll discover 5 unhappy words to eliminate from your vocabulary.

Sign up for the FREE 5-day Happiness Dare E-mail Series!

Go here to sign up for the 5-day Happiness Dare E-mail Series.

    
 

Win a FREE Box of Clothes from Kidbox

kidbox1
Kidbox is the first kid's style box (similar to Stitch Fix but for kids) that delivers quality brands at significant savings with an overall a mission to clothe children in need.

Kidbox offers personalized service designed for kids and their unique tastes, while also enabling parents and kids to start a conversation about giving back to the community.kidbox2

Kidbox partnered with K.I.D.S./Fashion Delivers, the largest non-profit dedicated to collecting and distribution new clothing to children of need in the United States. For every Kidbox purchased, Kidbox will outfit a child in need, contributing to their goal to donate clothes to one million needy children.

Here's how the service works:

1. Parents fill out a brief questionnaire about the child's style preferences.

2. Using that information, Kidbox hand picks 6-7 pieces from a range of popular, high-quality brands (i.e. 7 For All Mankind, Lucky Brand, Catherine|Catherine Malandrino, etc.) and delivers them straight to your door.

3. Families then have 7 days to decide if they want to keep everything in the box ($98), keep a few items (charged a la carte), exchange sizes, or return items. To clarify: if the box is purchased completely it costs the consumer $98. A la carte is then a little pricier per piece – but still a steal when compared to retail price – which (in total) is valued around $250.

Kidbox Review & Giveaway

Kidbox sent us a box for Silas. He was excited to receive it in the mail — especially because there were some fun little extra goodies in it.

Kidbox Review & Giveaway Kidbox Review & Giveaway

Personally, while the service was fairly easy to use (it only took me maybe 5  to 8 minutes to fill out the questionnaire, I wasn’t overly impressed with what they ended up sending us.

They were quality brands, but only 4 of the items were ones that somewhat matched Silas’ style. I also was surprised that they would send *white* shorts for a 7-year-old boy. I didn’t think that was very practical. 🙂

I also usually get my kid’s clothes from Schoola, ThredUp, Amazon, or Target clearance, so these were much higher prices than I’d usually pay. It’s $98 for the box if you keep everything. It’s more per item if you don’t keep everything.

Find out more about Kidbox here. 

Would you like to win a FREE Kidbox?

Just click on the graphic below and type in your name and email address. One winner will be randomly chosen to receive a completely free Kidbox. This giveaway ends Monday, August 1, 2016.

 

Enter the Giveaway

Save

Save

Save

Save

    
 

21 days email header graphic

   

Email subscriptions powered by FeedBlitz, LLC, 365 Boston Post Rd, Suite 123, Sudbury, MA 01776, USA.