About Me

Hi! My name is Jolyn. I am married to one Air Force man (currently deployed / recently returned from a deployment to Kyrgyzstan) (currently living in California while the kids and I try to sell our house in Ohio), the mother of three well-traveled children, and the CEO of our financial household, for better or for worse.

In the Spring of 2009, my husband and I decided to pay off our consumer debt Dave-Ramsey style and stop the cycle of credit to support our lifestyle. We are a military family that moves a lot, and it seemed like there was always a good reason to reach for that credit card or apply for a new loan.

We paid off almost $20,000 of debt in ten months.

I have been documenting our debt-free, credit-free journey since that Spring of 2009.  It started out as my accountability program.  My readers have turned it into a motivational documentary. I think we would all be in a better place if more of us were open about our financial journeys, with all their gains and setbacks. This is where we can share and confess, motivate and inspire — all in the name of our daily finances: a taboo topic for polite conversation, to be sure. I get that.

This isn’t about sacrifice and doing without — it’s about conscious spending, intentional living, and being good stewards of what we already have. I strive for a balance between learning from yesterday; enjoying today; and preparing for tomorrow.

I’m just a real person, in a real world, trying to do the best I can with the time I have left on this earth until we all see His Glory by and by.

We’re all going to be doing something tomorrow… Why not strive to live debt-free?

Why not control our finances instead of letting our finances control us?

My family currently lives in Centerville, Ohio Monterey, California.

Welcome to my domain.

4 thoughts on “About Me

  1. Hi Jolyn, I recently came across your blog and I have to say that your story is very inspiring. I too agree that financial journeys should not necessarily be sacrifices, but rather encompass conscious spending and intentional living with what we already have. I noticed that you have a guest post section, and I was curious if you would like to check out our personal finance tool (Planwise). I think that there are definitely some correlations between our two philosophies.



  2. Hi!! Just dropped in to see your blog from Erin at $5 Dinner blog’s site..recommended. You look cold in that photo by the lake, which I’m sure it is. Both my hubby and I were in the Air Force, which is also where we met. We weren’t career, just 4 years and glad we had a chance to serve our country in the late 1970s. I’m on the band wagon of getting our credit cards down to nothing and not putting anything on them unless I have enough money to pay back card right away, like if I order something off internet. Hope to keep up with you. I follow quite a few blogs but I need all the inspiration I can get. Take care and hope you are doing well without your hubby for awhile. That’s no fun!! God bless!!


  3. I saw your name on Erin’s $5 Dinners blog today and just HAD TO say hello! I’m a Jolyn, too, and though I’ve heard the name a few times, it’s usually spelled much differently! There are so few of us around that I just had to let you know! :)

    I’m from Michigan and currently blog about grocery deals at Macomb Money Savers.

    It’s nice to meet you!
    Jolyn Felten


    jolyn Reply:

    No, “Jolyn”, I really can’t believe that! I feel like I’m talking to myself. I’ve never met another Jolyn spelled the same way. I’ll be checking out your blog shortly!


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