About Us

Welcome to Eat Pray Budget! My name is Sami, and I’m an MBA who learned the importance of simple budgeting for personal finances years after the MBA ink was dry.  My husband Dallas and I started the debt free journey in January 2016… And as of July 28, 2017, we are thrilled to say that WE ARE DEBT FREE!!!

Like most Americans, I used to finance just about anything.  Cars, a house, student loans, vacations, clothing, like I said… just about anything! In January of 2016, my husband and I decided to take a class on how to properly handle our finances, and it rocked our world.  It quickly turned into my passion to help others learn this stuff and I’d love to share it with you.  

I’m here to tell you that you don’t have to buy into the lies that “everyone has a car payment” or “everyone has a mortgage.”  Not everyone does, and you don’t have to either.

We started out with 15 debts (student loans, credit cards, cell phone, a mortgage and an auto loan) totaling almost $187,000.  I know, I know, pick up your jaw.  We paid off nearly $195k in 18 months!

There is hope for a debt-free life!

harley

Here are Dallas and I the day we paid off our motorcycle… I forgot to mention, you can live debt free and still have a blast!

A few tips to get you started:

  • Budget, Budget, Budget!!! Seriously. And stick to it!!! Be an adult and handle your money or it will handle you!

  • Start paying with cash.  This was such a life changer for us.  If you pay with cash (groceries, eating out, entertainment, clothing, etc…), you tend to stick to the budget and feel the pain of spending.  You’ll tend to spend less. Try this at the grocery store next time; you will spend less!

  • Have an emergency fund and STOP USING CREDIT CARDS!!!!! Our emergency fund (for now) is $1,000 – in case the washer dies, the car needs tires, or we have a medical bill come up… We no longer have credit cards and cannot rely on them. Period.  Sure, it’s a bit scary at first but wow, is it life changing!!

Until next time, spend safely!

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