Sunday, April 19, 2009

About Us

Boy meets girl in May 2001. We were both going to school and crossed paths while working at our local community college. I was a computer technician and she was working in the Financial Aid department. While working part time we went to school together at our local university and got bachelor degrees. My degree was in Technology and her degree was in Elementary Education. At some point we sort of moved in together. We took many vacations and partied 4 out of the 7 nights in the week until 2004 when we got married. By this time our credit card debt was probably close to $4,000 but we didn't care. In 2005 we both got real jobs and as soon as we made more money we added debt like crazy. We took frequent trips to Las Vegas, Mexico and South America. This blog started around 2007 when our credit card debt was around $17,000.

We purchased our first home in 2006 at the age of 25-26. With a new house, new expenses came like furniture, decor and landscaping (more debt). Since we didn't have children we decided to get a dog. The wife talked me in to a female golden retriever puppy and I love her. She’s been a wonderful dog and a loyal companion. We had great friends and house parties every weekend but then our friends started having children.

In 2007 we were ready to start a family but nothing really happened until 2010 when we decided it was probably time to talk to a fertility specialist. Testing was done, nothing was wrong (TG) and the infertility was unexplained. We tried the usual Clomid, IUI’s with no success so we decided to give IVF a try. Believe me when I tell you that miracles do happen, we had a positive pregnancy after the first embryo transfer. We welcomed our beautiful Daughter in March 2012. She was a preemie baby weighing in at 3 pounds and 12 ounces but she was perfect. Tears, laughter and joy followed along with a 2 week stay in the NICU.  I never thought I could love something so much. She has changed my life and I believe I am a much better person because of her.

In August 2013 life surprised us with a natural pregnancy. We didn't think that people who went through infertility could get pregnant naturally but life always has a funny way to prove you wrong. We are expecting another addition to the family in May 2014.

Today we are a family of 4 (soon to be 5) living in the suburbs of Houston Texas. I'm an IT consultant working with a Fortune 500 company and my wife is a Kindergarten teacher with the local district. We are both in our 30’s and we love to travel, spend money and live well. The wife loves fashion and shopping and I like to run, play golf and spend countless hours on eBay. We both love spending time with our daughter and hanging out with our families. The purpose of this blog is to document our life events and how they impact us financially and to keep an eye on our debt.


  1. Wait -- together you make $120,000 a year in (low cost of living) Texas and you were living off credit? Dude, you need to get a budget together. You could save so so much for the future, and still have the money to enjoy life today with a little discipline.
    My husband and I live in MA and together made just $70k last year, and yet we managed to:
    Pay $16,000 of our own money to my law school
    Contribute $8,000 to my husband's retirement and $500 to our Roth IRAs thus far
    Build a $9000 savings account for me to bridge us from my summer of studying for the bar to my job next fall.
    Contribute $2000 to my husband's masters degree program.
    If we had $120,000, we'd have almost $60k after taxes and living expenses to pay down debt and build our savings each year!

  2. Anon! yes I know I am aware of the income but I just can't control it, we are trying and learning... life just happens so fast that it is hard to save and be frugal.


  3. HS
    Keep your head are doing great just to be aware that you need to control spending. My husband makes over $300,000 a year and we are paying off debt! Silly, stupid, I know....however, when we were young, like y'all, we also had double income and never really had to worry about money, didn't live by a budget, traveled, ate out. Then came the kids. You are live and learn! Living by a budget allows you to act more responsibly, save, and spend in a self-controlled manner which HUGELY benefits your family. Congratulations to you and your beautiful wife! You will be just fine!! I wish we had learned our financial stupidities at a much younger age, but it's NEVER TOO LATE!!

  4. Hello! I enjoy your blog. Thanks for the about you guys info.

  5. I have to tell you , you were my husband and I several years ago . And if you do not get ahold of your spending you will end up like us. We owned a million dollar a year company . YES A million dollars a year ! Had a nice house , I had a brand new suburban , hubby had a brand new truck . My kids had what ever they wanted, we had credit cards we had what we WANTED , not what we needed. And in a blink of an eye it was GONE . We love everything. We lost the company , the cars, the house and were living in my parents one room garage apartment for a year ! You say things like " I just cant control it " you can , your a grown man, you chose not to ! Try living off $40,000 and trying to send a son to college and raise another son as well ! Im sorry I do not mean to be rude but you need to grow up and stop saying things like " I cant , I know I need to but I NEED " You NEED A house , YOU NEED A job and YOU NEED FOOD, that's ALL you NEED ! The other thing ... You should not close any credit card account you have had for more than a year. it hurts your credit score . Cut the cards up , do not use them but do not close them.
    There is a REALLY Good message board called that is really good at helping w/ credit issues and situations. They helped me clean up my credit on my own after Bankruptcy . Again I am not trying to be mean by any means, I am trying to help and some things you are saying really bothered me .
    BTW Congrats on the weight loss !

  6. Hi HS, My name is Zohreen, I'm based at CNN LA and I'm compiling a list of personal stories about the debt ceiling for my boss. Would you mind emailing when you have a moment so I can ask you a quick question? My email is Thanks so much!

  7. An interesting blog. I hope things are working for you towards your goals.

    Am based in the UK myself and have a blog on debt coming from a different angle than yours, in that i support the movement for banking reform.

    My site is evolving and i have now began to include links to organisations that give free help and advice in the UK to people struggling with debt.

    The site is called

    I have been following some of the news from the USA concerning the occupy Wall Street campaign and can tell you that similar things are now happening in the UK, and a world wide day of action is being planned.

    All the best in becoming debt free, I will follow with interest.

  8. Hello. Thanks for using my contact form. I DID notice that we both made the monthly feature of the Control Your Cash lady. Funny. I didn't really get upset, but she actually helped me out a lot because I used some of her criticisms to improve my blog, and she also drove a ton of traffic to my site. Silver linings!

  9. Honestly, as someone who is in the same situation as this blog author, I'd have to say that people are not cookie cutter budget saints all the time!

    It is very easy to sit on a high horse and look down on those of us who are struggling with debt despite making a relatively good income. Life happens. They just had a new baby. Keep up with your efforts, HS!! Don't get discouraged.

  10. Great blog - I'm somewhat in the same income range as your wife, and want to get rid of my debt before I fully commit/get married so I don't hurt my partner's credit. Thanks for having a relatable blog as I'm somewhat in the same predicament and blogging as well to hopefully keep me more accountable... nice to know I'm not the only one out there bettering themselves! Congrats on the little one :)

  11. You and I are very similar. Both in IT, our wives both teachers, I have a 14 month old and a lab mix. We have another baby on the way, do you? hehe.

    Let's rock this debt!

  12. Charlie, Congrats on the babies! yup another on way LOL