When I started the Debt Free Mom instagram account, I had already been debt free for 3 years. But that doesn't mean we didn't have years of struggling to make ends meet, realizing money mistakes we made, or paying off debt while also having 3 sons in 39 months.

Today's episode spans from December 2011 when we got married to April 2019 when we bought our first house. Sometimes we met our goals faster than we imagined, other times we grappled with over a year of paying our bills and nothing else.

And what was one of the keys to our success? Budgeting by pay period for our biweekly income. This allowed me to maximize every dollar we made and meet our goals even when our income never exceeded $60,000. If you feel like you're not making the best use of your paycheck, try the Debt Free Mom Budget Template. It's a one time cost of $9, includes space for your whole year in one document, and comes with a couple tutorial videos to get you started. Join over 7,000 other people who have downloaded this template and start budgeting confidently today!

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