Saturday, January 28, 2023

Our Favorite FOR FUN Holidays!

If you saw my calendar, you'd find a holiday on almost every day of the year (Sandra Boynton is a great one to follow!). I love keeping track of the fun holidays that people have come up with and celebrating them when we feel like it! Today I wanted to share our favorites. 

January 9th is National Whipped Cream Day 

Whipped cream is my favorite! You'll notice a lot of our favorite "fun" holidays revolve around food 😅

January 8th is Bubble Bath Day 

The kids love this day! I know a lot of adults probably do as well, but I have to admit I am not a bath person. 

January 15 is Strawberry Ice Cream Day 

We love ice cream in our family! This day led to a new favorite homemade ice cream recipe last year.

Strawberry Cheesecake Ice Cream

8 ounces cream cheese 

1 scant cup strawberry puree 

1 cup almond milk 

2 cups cream 

½ tsp vanilla 

½ tsp salt 

Mix all ingredients together in blender. Freeze in an ice cream machine or popsicle molds.

The third Saturday of January is Soup Swap Day 

I don't love most soups, but Ben does and there are some that I really like. It's fun to get together with other people to celebrate. 

January 27 is National Chocolate Cake Day 

Another food holiday! Any chance to make extra treats, I'll take it. 

February 1 is Work Naked Day 

Okay, so I'll admit we never actually celebrate this one, but it's fun to have it on the calendar. 

The first Saturday of February is Eat Ice Cream for Breakfast Day 

This is one we never miss celebrating! I usually make pancakes and we have ice cream on top of our pancakes (something my mom used to do with us on special occasions). 

February 9 is National Pizza Day 

I never miss a chance to eat some pizza! I love making homemade pizza to celebrate (I always use my bread machine to mix the dough and then form into 8 individual pizzas).

Pizza Crust

3 ½ cups flour

1 ½ tsp salt

3 tbsp olive oil

1 ¼ cup warm water

1 tsp yeast (scant)

*Optional 2-3 Tbsp honey

February 11 is Get Out Your Guitar Day 

I love watching Ben play guitar. It always reminds me of when we were dating. 

February 25 is Chocolate Covered Nut Day 

One of Ben's favorite treats is chocolate covered almonds. We don't get them often, but sometimes we'll buy some to celebrate. I've also used a good homemade chocolate recipe to make some, which is my favorite. 

Homemade Chocolate

½ cup raw cacao butter

1/4 cup cacao powder

2 tbsp honey or pure maple syrup (I prefer the maple syrup taste)

Place the cacao butter in a heatproof bowl set over a small pot of boiling water. Whisk for 1-2 minutes until the butter has started to melt but there are still a few small solid pieces. Remove from heat, add the honey and cacao powder, then whisk vigorously to combine and make a smooth, thin syrup. If it’s too thick, you can return to the heat for 30 seconds.

March 2 is Dr. Seuss's Birthday 

This is one the kids' favorite "fun" holidays! We always start the day with Green Eggs and Ham for breakfast. We always read a lot of his books together and then I'll use YouTube to find read alouds of some of his books that we don't own. For other activities, I go to Pinterest for ideas. One thing we did last year was make pancakes with strawberries and whipped cream for dinner, piling them together to make hats from The Cat in the Hat. I usually have at least one craft project as well. 

March 7 is National Cereal Day

We don't usually buy cereal at our house, so it's a special treat when we do.

March 10 is Mario Day 

It's always fun to find an excuse to play some Nintendo games (like Mario Kart or Mario Party) together. 

March 14 is Pi Day 

With a math teacher for a mom, this was a holiday I grew up with! I love pie and will always take the opportunity to make some (we've also done Chicken Pot Pie or pizza for dinner as well). 

Easy Pie Crust

1 ¼ cups flour (I do half soft white wheat, half white flour)

½ teaspoon salt

4-12 tablespoons water

⅓ cup lard


In a bowl add the flour and salt, mix to combine.

Add the fat and cut into the flour until approximately pea-sized pieces remain.

Add the water a tablespoon at a time stirring it in with a fork. Only add enough water to moisten the flour and make the dough come into a ball.

Gather the dough into a ball. Chill in the fridge. 

On a well-floured surface place the dough and pat it out into a circle. Flour the top of the dough too and roll out into a circle. Rolling only away from you and turning as you go. Add more flour as needed to keep dough from sticking.

Once the dough is large enough, seat into a pie plate. Tuck in any overhanging dough and flute the edges.

If baking with filling, follow pie instructions. If baking pie crust empty, poke pie crust with fork and preheat to 475. Bake 7-10 minutes or until pie crust is golden brown.

March 25 is Waffle Day 

Again, it's a great excuse to make some waffles!

Sunbeam Waffles

2 cups whole wheat flour 

1 cup fresh ground corn flour (dried corn kernels ground into flour)

3 tsp baking powder 

1 ½ tsp salt 

4 large eggs 

2 cups milk 

1 ½ tsp vanilla 

3 tbsp melted butter or Olive oil

Melt butter. Beat eggs in a medium sized bowl for 1 minute. Add milk and vanilla to eggs. Sift in dry ingredients and blend on medium speed. Blend in cooled butter. Pour in about 1 cup portions on waffle iron. Enjoy with butter and maple syrup.

March 28 is Something on a Stick Day 

I love this unique holiday. One of our favorite things to do is make homemade corndogs (something we basically make once a year). You could also easily do kabobs. 

Homemade Corn Dogs

1 cup corn flour 

1 cup wheat flour 

¼ tsp salt 

⅛ tsp black pepper 

¼ cup honey

4 tsp baking powder 

1 egg 

1 cup milk 

In medium bowl combine corn flour, flour, and baking powder. Stir in egg, honey, and milk. Take hot dogs and put on sticks. Dip in batter and fry in oil.

March 30 is Take a Walk in the Park Day 

I love any excuse to take the kids to the park (I don't feel like I do it enough). The end of March is also usually when it's finally starting to warm up.

April 5 is Caramel Day 

Caramel is one of my favorite treats and I have a recipe I love. We like to make it softer, for dipping apples in, or letting it boil more to make actual caramel candies or apples. 

Homemade Caramel

1 cup sugar 

2 cups heavy cream 

1 ½ tbsp vanilla extract 

2 tbsp butter

Combine sugar and cream in a saucepan and bring to a boil. Stir occasionally while it cooks. Continue cooking until it reaches the soft ball stage (check with ice water). 

Remove pan from heat and add in vanilla and butter. Stir until butter is completely melted and combined. 

Pour into a generously buttered 8X8 pan, or smaller for thick caramels. Place in freezer to harden for 30 minutes. Cut into squares. 

April 12 is Grilled Cheese Sandwich Day 

We don't do grilled cheese often, but it is one of my favorite treat meals. One thing we love to do is buy a sour dough white loaf bread from the store and make grilled cheese with it. 

April 13 is International Kissing Day 

What else do I need to say here? 

April 25 is Zucchini Bread Day 

Zucchini bread is one of our family's favorite treats! I don't know why this day falls in spring rather in late summer when everyone has too much zucchini from their gardens, but I'm fine making it both times. 

Zucchini Bread

3 eggs

1 cup oil 

2 cups zucchini 

2 cups sugar (1 ½ honey) 

3 cups flour (4 cups white wheat flour) 

1 tsp salt 

1 tsp baking soda

¼ tsp baking powder 

1 tsp pumpkin spice (or ¼ ginger, ¼ cloves, ½ cinnamon) 

3 tsp vanilla

Cream sugar, oil, and eggs. Mix rest. 

Makes 2 loaves. Bake 1 hour at 325.

May 2 is National Truffle Day 

I love making truffles, but they are more involved, so the only time I make them is on National Truffle Day. One flavor I always make is Oreo Truffles. I make my homemade Oreos, mix them cream cheese, and roll them into balls. I freeze the balls for about 30 minutes while I melt chocolate chips (with some coconut oil) and then I cover the balls with the melted chocolate. I use Pinterest recipes to try new flavors as well (last year we did a peanut butter one and a lemon one and we loved both, though we've tried sugar cookie and didn't like that as much). 

Chocolate Oreo Cookies

½ cup butter, softened to room temperature

⅓ cup evaporated cane juice

⅓ cup honey

1 large egg, room temperature

1 tsp vanilla extract

1 - 1 ½ cup soft white wheat flour 

½ cup + 2 tbsp unsweetened cocoa powder

1 tsp baking soda

⅛ tsp salt

2 tbsp milk


In a large bowl, beat the butter for 1 minute on medium speed until completely smooth and creamy. Add the evaporated cane juice and honey and beat on medium high speed until fluffy and light in color. Beat in egg and vanilla on high speed. Scrape down the sides and bottom of the bowl as needed.


In a separate bowl, whisk the flour, cocoa powder, baking soda and salt together until combined. On low speed, slowly mix into the wet ingredients until combined. The cookie dough will be quite thick. 


Switch to high speed and beat in the milk. The cookie dough will be sticky. Cover dough tightly with aluminum foil or plastic wrap and chill for at least 3 hours and up to 3 days. Chilling is mandatory for this cookie dough. 


Remove cookie dough from the refrigerator and allow to sit at room temperature for 20 minutes-- if the cookie dough chilled longer than 3 hours, let it sit at room temperature for about 30 minutes. This makes the cookie dough easier to scoop and roll.


Preheat oven to 350. Line two large baking sheets with parchment paper or silicone baking mats. Set aside. Scoop and roll balls of dough, about ½ tablespoon of dough each, into balls. Place on the baking sheets.


Bake the cookies for 8 minutes. The baked cookies will look extremely soft in the centers when you remove them from the oven. Allow to cool for 5 minutes on the cookie sheet. They will slightly deflate as you let them cool. Transfer to cooling rack to cool completely.

May 3 is Harry Potter Day 

As a Harry Potter fan, I am really excited about this one. We only just discovered it, so this will be our first year celebrating it.

May 4 is Star Wars Day (May the Fourth be with you)

I have to admit I am not the biggest Star Wars fan (though I do enjoy it). We always watch the movies with our kids, though, and try to do Star Wars themed activities and foods on this day.

May 13 is National Apple Pie Day 

Apple pie is my favorite pie (maybe Ben's as well, though his might be pumpkin). 

The Best Apple Pie

2 unbaked pie crusts 

6 cups peeled, thinly sliced dark green apples (about one apple per cup)

½ cup evaporated cane juice 

2 tbsp soft white wheat flour 

½ tsp cinnamon 

⅛ tsp ground nutmeg 


Preheat oven to 375. 

Toss apple slices flour, sugar, and spices. Spread one pie crust on a pie plate (covering the edges), put apple mixture in. Cover with second pie crust, press the edges together with your fingers, draw four or five lines in the middle of the top pie crust. 

Cover entire pie with tin foil. Bake 40 minutes. Uncover and bake an additional 20 minutes, until edges of pie crust start turning brown. 

Eat warm with ice cream or let cool. 

The third Friday in May is Pizza Party Day 

Once again, any excuse to eat pizza! There are actually quite a few different pizza holidays, and we like to celebrate them all. 

May 21 is Strawberries and Cream Day and Talk Like Yoda Day 

Talk Like Yoda Day is a must to celebrate! And one of my favorite treats happens to be strawberries with whipped cream, so that's how I always celebrate this holiday. It helps that by May, strawberries start to be more in season. 

May 24 is National Scavenger Hunt Day 

I always love to celebrate by making a scavenger hunt for the kids to do, with some sort of prize at the end (usually quarters). I get a lot of ideas for it from Pinterest. 

May 28 is National Burger Day 

We love homemade hamburgers at our house! I use my bread recipe, but instead of forming it into a loaf, I let my bread machine mix the dough and then form it into hamburger buns. We get our hamburger patties from our local meat plant and use our air fryer to cook them. 

June 7 is National Donut Day and Chocolate Ice Cream Day 

Two great things on the same day! We have a great recipe for both chocolate ice cream and donuts (though we also love to buy donuts from a couple local places as well). 

Chocolate Ice Cream

2 cups cream 

2 cups milk (we use powdered milk from the LDS cannery)

⅔ cups pure maple syrup (or sugar)

¼ cup cocoa powder (we use Dutch cocoa) 

½ teaspoon salt 

Mix together in a blender, then freeze in an ice cream machine or popsicle molds. 

Glazed Donuts

¾ cup butter milk (or ¾ cup almond milk + 2 tsps white vinegar, mix and let sit a minute)

6 Tbsp water 

2 Tbsp honey 

1 tsp salt 

1 egg, beaten 

¼ cup butter 

3 ½ - 4 cups white wheat flour (do not get too much flour)

1 ½ tsp SAF yeast 


Mix in bread machine on dough cycle. Roll out and cut out donut shapes. Let rise about 30-60 minutes. 


Fry in oil about 350. We’ve had the best luck flipping them every few seconds until both sides are golden. (In the air fryer, bake at 350 for about 4 minutes)


Donut glaze:

6 tbsp butter 

2 cups powdered sugar 

2 tsp vanilla extract 

4 tbsp hot water 


Heat in a pan on the stove until combined. Dip donuts while donuts and glaze are still warm. 

June 12 is Red Rose Day 

I haven't actually done this yet, but I would love to get a red rose for each of my girls on this day. I think they would love it. 

July 17 is National Ice Cream Day 

We love making ice cream at our house, but Ben and I more often make it when the kids are in bed. Holidays involving ice cream are a great excuse to make some for the kids too. 

Vanilla Ice Cream

2 cups cream 

2 cups milk (we use powdered milk from the cannery) 

½ cup maple syrup 

¼ cup unflavored whey protein powder 

½ tsp salt 

1 tbsp vanilla 

Mix together in a blender, then freeze in an ice cream machine or popsicle molds. 

July 18 is National Hot Dog Day 

One of our favorite summer activities is roasting hot dogs with Ben's parents. Hot dog day is a great time to do so!

July 30 is National Cheesecake Day 

Cheesecake is another of Ben and my favorite dessert, though we don't have it often. 

Homemade Cheesecake

1 graham cracker crust, lined in a cheesecake pan

1 pound cream cheese, 2 (8-ounce) blocks, softened

3 eggs

¾ cup honey or sugar

2 cups plain Greek yogurt 

1 lemon, zested

1 dash vanilla extract

Preheat the oven to 325.

Beat the cream cheese on low speed for 1 minute until smooth and free of any lumps. Add the eggs and continue to beat slowly until combined. Gradually add honey and beat until creamy, for 1 to 2 minutes.

Add yogurt, lemon zest, and vanilla. Periodically scrape down the sides of the bowl and the beaters. The batter should be well-mixed but not overbeaten. Pour the filling into the crust-lined pan and smooth the top with a spatula.


*The pan can be surrounded by thick tinfoil and placed in a pan of water to help the batter bake more evenly

Pour into cake pan, filled three quarters. Bake for 45-75 minutes. The cheesecake should still jiggle (it will firm up after chilling). 

Let cool in pan for 30 minutes. Chill in the refrigerator, loosely covered, for at least 4 hours.

August 2 is Ice Cream Sandwich Day 

I have always loved ice cream sandwiches, though again, they aren't a treat we have very often. We sometimes buy them from the store, but I also love using my Oreo cookie recipe to make homemade ice cream sandwiches. They are the yummiest! 

August 3 is Watermelon Day 

We love watermelon! 

August 4 is National Chocolate Chip Cookie Day 

Chocolate chip cookies are my favorite kind of cookies and I love the recipe I have. I always at least double the recipe and I also love doing half chocolate chips, half another flavor of chips (like white chocolate or butterscotch), which is something I remember my mom doing. We prefer softer cookies, so I always do slightly less flour (the dough is pretty sticky when I cook it) and cook it for less time (they look doughy until they cool). 

Chocolate Chip Cookies

3/4 cup (1.5 sticks) butter, softened to room temperature

2/3 cup pure maple syrup or brown sugar

1/4 cup evaporated cane juice (sugar)

1 large egg, at room temperature

2 teaspoons pure vanilla extract

2 ¾ cups wheat flour 

2 teaspoons cornstarch

1 teaspoon baking soda

1/2 teaspoon salt

1 cup semi-sweet chocolate chips (I do half white or butterscotch, half chocolate)

In a large bowl using a hand-held mixer or stand mixer with paddle attachment, beat the butter for 1 minute on medium speed until completely smooth and creamy. Add the brown sugar and granulated sugar and mix on medium speed until fluffy and light in color. Mix in egg and vanilla. Scrape down the sides and bottom of the bowl as needed. In a separate bowl, combine flour, cornstarch, baking soda and salt. On low speed, slowly mix into the wet ingredients until combined. The dough will be sticky. Add the chocolate chips and mix for about 5 seconds until evenly distributed. 

Preheat oven to 350°. Line 2 large baking sheets with parchment paper or silicone baking mats. Set aside. Roll balls of dough, about 1 tbsp of dough each, into balls.

Bake for 7-10 minutes, until barely golden brown around the edges. They will look extremely soft when you remove them from the oven. Allow to cool for 5 minutes on the cookie sheet. Transfer to cooling rack to cool completely.

August 8 is National Pickleball Day 

Pickleball is something that Ben and I recently have grown to love. 

August 10 is S'mores Day 

This is another great time to make a fire with Ben's parents and roast hot dogs and s'mores!

August 31 is Eat Outside Day 

I remember as a child loving picnics. As an adult, we don't do picnics nearly as much as I thought I would when I was a child. This is a great chance to get outside and have a picnic with the kids. 

September 4 is Eat an Extra Dessert Day

Who wouldn't want to celebrate this holiday?  

September 5 is Cheese Pizza Day 

Another pizza holiday! Cheese pizza is the kids' favorite kind. 

September 7 is Buy a Book Day 

Now this is my kind of holiday 😁

September 12 is Chocolate Milkshake Day 

Milkshakes are a favorite at our house. We love making milkshakes with leftover homemade ice cream and we also love going out to places like Wendy's to get a Frosty (though it happens once a year or less). 

September 13 is Roald Dahl Day 

I have to admit, we have yet to celebrate this day, though I've read all of his books aloud to the kids (they LOVE his books). I've seen others do fun things to celebrate this day, though, and I really want to do some fun activities/food for it this year.

September 18 is Rice Krispies Day 

Rice Krispies have never been my favorite treat, but Ben loves them. We always make them on Rice Krispies Day and in addition to regular Rice Krispie Treats, I always make my own version (that is healthier, but also that I love the taste of more, because it doesn't use marshmallows). 

Healthy Rice Krispie Treats

⅔ cup brown rice syrup

¼ cup coconut oil

1 tsp vanilla extract

¼ tsp salt

4 cups brown rice crisp cereal

Combine the coconut oil and brown rice syrup in a saucepan over medium heat, and bring the mixture to a rolling boil. Boil for one minute, then remove from the heat and stir in the vanilla extract and salt. Pour the cereal into a large mixing bowl and stir in the boiled syrup mixture until the cereal is well-coated.

Line a 9-inch baking sheet with parchment paper to prevent sticking, then spread the coated cereal in the pan. Use an additional piece of parchment paper over the top of the cereal, to keep your hands from getting sticky, then press HARD to pack the cereal tightly into the bottom of the pan. The harder you press, the better.

Place the bars into the freezer to cool for 45 minutes, then remove the pan and bring the bars to room temperature.

September 22 is Hobbit Day 

We love the Japanese-American made cartoon of The Hobbit. I have major nostalgia for it from my own childhood and the kids and I watch it every year on Hobbit Day. 

October 4 is National Cinnamon Day and Taco Day 

Tacos are a family favorite (except for Rylee, who only eats quesadillas). We always use ground turkey and season it with plenty of taco seasoning. Then we make refried beans and heat corn shells on the stove with cheese until it's melted. 

To celebrate Cinnamon Day, we always make cinnamon rolls, another family favorite. 

Cinnamon Rolls

1 cup warm milk

1 tsp salt 

¼ cup honey 

¼ cup butter 

2 beaten eggs

3 ½-4 cups white wheat flour 

1 ½ tsp yeast 

1 tbsp vital wheat gluten 

Mix in bread machine on dough cycle. Roll out on pastry cloth. Spread ⅛ cup butter melted on dough and sprinkle ⅓ cup sugar over butter. Then sprinkle generously with cinnamon. Roll and cut. 

Place on cookie sheet and let rise double. Bake at 350 for 18-23 minutes.

October 31 is Caramel Apple Day 

Ben and I always used to raid our kids' candy after they went to bed on Halloween, but we always ended up regretting it--it never tasted as good as it sounded and made us feel awful. Our new tradition is for me to make homemade caramel apples in the morning so that after the kids go to bed, Ben and I can have our special treat instead of candy. They always taste amazing and never make us feel sick.

November 16 is National Fast Food Day 

We rarely get fast food (other than pizza, which we probably get too often), but we always have fast food on this day. Each person can choose whatever fast food they want, even it means I drive to three different drive throughs. 

December 8 is National Brownies Day 

Brownies have long been one of my favorite desserts. I have a recipe that I love--they have the same amazing texture as box brownies but are rich and chocolatey (and less sugary) than from the store.

Better than Box Brownies

1 cup olive oil 

2 cups evaporated cane juice (sugar) 

4 large eggs

1 teaspoon pure vanilla extract

¾ teaspoon salt

1 cup soft white wheat flour

1 ¼ cup good quality, unsweetened cocoa powder


Preheat oven to 325°F. Move oven shelf to the top slot. 


Lightly grease an 9X11 with cooking oil spray. Line with parchment paper (or baking paper); set aside.


Combine oil and sugars together in a medium-sized bowl. Whisk well to combine. Add the eggs and vanilla; beat until lighter in color (another minute).


Sift in flour, cocoa powder and salt. Gently fold the dry ingredients into the wet ingredients until JUST combined (do NOT over beat as doing so will affect the texture of your brownies).


Pour batter into the prepared pan (if using a glass pan, line with parchment paper), smoothing the top out evenly.


Bake for 50-60 minutes or until testing with a toothpick, the toothpick should come out dirty (slightly clumpy) for fudge-textured brownies. Watch closely, do not overcook. 


After 5-10 minutes, carefully remove them out of the pan (if overcooked, take out immediately) and allow to cool to room temperature before slicing into 16 brownies.


*For halving the batch, bake in a 8X8 pan for 45-50 minutes

December 13 is Ice Cream Day 

Another day to celebrate by eating ice cream! I won't complain! 


There are lot of fun holidays out there and I love seeing all of them! These are our family's favorites and I love the memories and family culture these create for us. 


 


Friday, January 20, 2023

We Paid Off Our House!

This week, Ben and I achieved a goal we've been actively working on the last eight years--we paid off our house

The Goal and The Numbers:

Saving up for our house: 

  • We started saving for our house at the beginning of 2015 (around the same time Ben went full time with his business) 
  • We saved for just over 3 years, closing in February of 2018
  • Our goal while we were saving was a 50% down payment
  •  Our house cost $290,000 to build and we had a 51% down payment when we closed
  • Our average income between 2015-2018 was $85,000

Paying off our house: 

  • We closed on our house in February of 2018
  • Our goal going into our mortgage was to pay it off within 3-5 years
  • Our income dropped right as we got into our house, making it impossible for us to pay it off in 3 years. As we got closer to the five years, we were really close (under $20,000) and we decided we wanted to try for the 5-year mark. 
  • We made the final payment in January of 2023, almost exactly 5 years after closing on it
  • Our average income during those years was $51,000
I embarrassed Ben by wanting a selfie when we went to send the wire transfer to make the official last payment 😂

The Why Behind Our Goal 

When we were first married, Ben and I dreamed together and we had a lot of big ideas of what we wanted our life to look like--for me to stay home with the kids and homeschool, for Ben to run his own business from home, for us to travel together, to own a home and be financially independent. 

While we had those dreams, we didn't have a plan to get there. We were both going to school full time, had different part time jobs making less than $18,000 a year, with about $5000 in student loans. We had financial aid and some scholarships to help with schooling and both came from homes where we were taught the importance of thrift and hard work. We didn't have any other debt and had kept our student loans small. But we were making a small amount of money and didn't have a good system for budgeting. We were truly living off of love and tithing blessings. 

About a year and half after we were married in 2014, I was six months pregnant with our first. I was about to finish school and Ben was making YouTube videos on a channel that was doing very well (he had even started making a very small amount of ad revenue from it). As we drove out to Vernal to visit Ben's family, we decided to listen to an audiobook his parents had given us--The Total Money Makeover by Dave Ramsey. 

As we listened, we didn't need to be sold on the ideas of living debt free and being financially independent--these were ideas we had both been taught our entire lives and things we wanted for our own lives. The thing the book gave us was a solid roadmap to get there. 

Ben switched jobs to a full-time programming position and our income more than doubled. We were now making $40,000 a year and also started budgeting that same month. I felt like we suddenly had so much money! We immediately got our $1000 emergency fund and then started paying towards my student loans

During this time, Ben had an idea for a book about programming in GameMaker, the software he was teaching on YouTube channel. In September, we did a Kickstarter for it. We were asking $1,000 (looking back, not nearly enough, but we were learning) and we made our goal in a day! This book was something that his audience really wanted, and the Kickstarter ended up raising over $11,000. We were ecstatic!

After saving what we needed to print and ship the book, we used the rest of the money to finish paying off the student loan and get our emergency fund. We also had Ashtyn during this time, and I finished up school. Now we were feeling ready to buy a house, but we needed to save up a down payment first. 

We made this poster of our house for date night one night, dreaming together of paying of our house. 
We also made a chart to go along with it, with circles to color in for how much we had saved up so far.

We had our income from Ben's job and his book was consistently making over $1,000 a month. That wasn't enough to live on, but I was confident that if Ben went full time with his business, he could get our income up to what we needed. He was confident that he could as well but was more wary of how long it would take him to do so. He didn't feel ready to quit his job and do his business full time. 

Our opportunity came when our landlords gave us notice that we needed to move out of the apartment (we were month to month at the time and they had a daughter who needed the apartment). We used the few months we had to figure out what we wanted to do. We looked at apartments closer to Ben's work, but I suggested moving to Vernal where rent was a lot cheaper (when we got married, I hadn't ever thought I would suggest that). We ended up moving to Vernal and staying with Ben's sister as we tried Ben's business. It was a win-win because we got a place to stay for free/inexpensive and her husband was traveling a lot. We thought we'd be there for just a couple months but ended up staying with her for over 7 months, which was a huge blessing for us in our financial journey. 

The first month we were there, Ben didn't have the internet he needed to be streaming, so he decided to use his time and record a programming course teaching people how to make games in GameMaker. The course was phenomenally successful! As his course and book continued to sell well, we set our goal of saving up a 50% down payment on our house (we were thinking of buying a $250,000 house at the time). 

We had already seen the benefits of smart financial decisions--if we hadn't been debt free with an emergency fund, Ben wouldn't have had the freedom to quit his job and start on his own business. Doing that had changed the entire trajectory of our lives for the better, and we were determined to have a paid off house as quickly as we could

How We Did It 

Ben's business continued to do well and did better each year. Because we had no debt, we had very few expenses. We had Parker during this time and our growing family prompted us to move from Melissa's house to an apartment of our own. In Vernal, our rent on a nice 3-bedroom apartment was $750 a month. Eating out was a treat, we limited our travel to visiting family, and continued driving our very quirky, two-door car (with two kids, driving that two-door car sometimes seemed like the biggest sacrifice to me in all that we did to save up for our down payment). 

I remember trying to keep our budget at $2,000 or under during this time and there were months we were able to put very big chunks towards our house. We had a chart we had made where we were able to mark in every $1000 we put towards the house savings, and it was really fun when we were able to fill in 5 or 7 of those in a month. 

Our move to Vernal was supposed to be temporary--a year while we saved up. This quickly turned longer as we changed our goal from a 20% down payment to a 50% down payment. We started looking at houses in Herriman and balked at the price. A house in the Salt Lake area was over $100,000 more than the same house in Vernal. 

We started talking about whether or not we wanted to leave Vernal. We loved living close to Ben's family and there were other things about Vernal that we really enjoyed (less traffic, an amazing library, fun lakes and hiking trails very close by). The hardest thing for me was that living in Vernal meant no longer dancing with my dance group. That was a really hard choice for me and it's still something I miss desperately at times. We ultimately decided Vernal was the place we wanted to settle down and started actively looking at houses in 2016. 

It was hard to find a house that we really liked. It seemed like every house we looked at had something weird or that we didn't like (that was also a hard thing to change). We did find one house that we put an offer on, but they wanted us to pay more than we were willing and we had to walk away (they later asked us if we were still interested, but we weren't by then). In December of 2016, we decided to build

We found a builder we loved, came up with a floor plan we were excited about, and found a lot to buy. We ended up adding a basement to our plans and chose a lot that was a little more expensive to get a good location. We wanted a quiet location for when Ben was recording and also wanted a location that would make it easy to sell our house if we later decided to go that route. Because of the basement and location, we were higher than we originally planned, with our house costing $290,000 total

While we love our house and location, there were definitely times while we were paying it off that we wished we had just bought a house under $250,000 so that we could have paid it off sooner. I do think it was good for us try the house we have, but now we know that we actually would prefer a smaller house on more land and may someday move (without debt this time). If we don't, though, our house and location is something that we know we will be happy in and that we can truly make our own.

The building process!

Our Christmas tree was one of the first things we put in our new house 💗

The entire building process took about a year and we were able to move into our house December of 2017. Right as we got into our house, two harder changes happened--we found out we were expecting our third (morning sickness is rough if you're in a two-week process of moving with kids) and our income dropped considerably. The software that Ben was teaching made a significant change, making almost all of his courses and his book obsolete. What was worse was that a lot of people (including Ben) didn't like some of the changes made and stopped using the software. 

Ben wasn't sure what he wanted to do with his business. Other content creators he talked with found that their courses (unrelated to GameMaker) were not doing as well either. The site he used to host his courses was making changes as well that were negatively affecting people's sales. We weren't sure what direction to go in and tried a few things. 

We were able to make it through that rough patch and Ben made a course for a new software that he was really liking called Godot. He also changed his host site and raised his price (the other site had his courses selling for basically $10, a ridiculously low amount). The result blew us away and we made enough that we felt that our goal of paying off the house in 5 years might be possible again

We tried a few different methods for tracking how much we had left to pay on the house, but we ultimately ended up using this--it includes the money we put down on the down payment. Coloring in the last squares made it feel more real than when we sent the wire transfer. 

It was harder to gain traction once we were in our house. Not only were our expenses higher (utilities and maintenance were much more in a house than an apartment, we had two babies while in the house, we had more kids and kids who were getting older and had more expenses, and of course, inflation) but we were also making less. It could be really discouraging at times, but the boost from Ben's new course really helped with our morale. 

Once we were in our house, we still made sacrifices to pay it off early, but we weren't quite as intense about it. We went out to eat more often (but still tried to make our own meals most of the time), paid someone to finish our front yard, and even went on a cruise together. Most of the sacrifices were things like continuing to wait to travel, buying a budget van (though we honestly love our van, especially after our old car), and mostly just waiting for things we wanted to upgrade. Our most common phrase was, "After we pay off the house ..." 😂

Benefits 

Looking back, it has been so worth it. I feel that this goal has not only taught me things like how to budget and keep our expenses low, but also given me a great sense of gratitude for what I have. Ben and I's relationship has been immensely strengthened as we have worked and sacrificed together for a common goal. Our kids have been a part of the process and I hope they take what they've learned from it into their own adult lives. 

Because we don't have a mortgage now, we have the freedom to do other things. We can invest more aggressively in our retirement (and some of those can be riskier as well). We can take smart risks with Ben's business and make it exactly what he wants it to be. We can give to others in ways that we have only dreamed about. We can travel and save and do what we want with our income, because it is now wholly ours. And we can do all that in a house that we love. 

What We Learned 

I listen to Dave Ramsey a lot and when he does Debt Free Screams with people, he always asks them what they would tell others trying to get out of debt--what is the key? 

Because our debt-free journey was with buying and paying off our house, I want to look at that situation. Looking back, I have one thing that I think really helped us in paying off our house early.

 When getting a mortgage, we went into it with the mindset of getting out of that debt as fast as possible. Because of Ben's current income when we were beginning to finance (we'd had a year close to $100K and then a year over 100K), we could have gotten a bigger mortgage even following Dave Ramsey's guidelines for buying a house (a 15-year fixed loan that is 25% or less than your take home pay). 

Because we went into it with a goal of paying it off quickly, we spent as little as possible while still getting the house we wanted. While building, we went cheaper on anything we could. If we could upgrade it later, we spent less on it now. An example of this was when we did one-tone painting--it saved us over $5,000 to have them paint everything white instead of painting the walls gray. Because of our goal, when situations like that came up, it wasn't hard at all to go with the less expensive option.

Because we were conservative in how much we borrowed from the bank, we were just fine financially when our income dropped those first couple of years. We weren't able to put a lot extra towards the house, but we never had a month when we weren't able to pay all our bills. And as Ben's income came back up, it made it possible to pay it off as quickly as we did. 

And doing a 15-year fixed loan was also a huge blessing to us. After we'd been in the house a year, we were feeling discouraged because we knew we wouldn't be paying it off in 3 years and it seemed unlikely we'd make it in even 5. Then was the moment we were most grateful for doing a 15-year loan instead of a 30--we knew that even if we never were able to put extra towards our house, we only had 14 years left rather than a discouraging 29. 

How Grateful We Are 

I am so grateful for the blessings we've been given. I know our situation is not what some others are facing--we were able to get a house for a fraction of what the market is like right now (even in Vernal, but especially other places in Utah). Ben's business has had times of bounty that have blown us away and those high years are what made it possible for us to do what we did. We also have had family and friends who have been so generous and kind in our leaner times and I will forever be grateful for them. 

But most of all, I am so grateful for Benjamin. He has been a rock for me through all our financial situations. He has encouraged me, helped me, and sometimes corrected me as we have learned to budget together. He works so hard for our family (both by making money with his business and by being present with the kids and housework). I am grateful that he dreams with me and works with me to reach those dreams and I couldn't be more grateful for the life we are building together.