I’m Kat. I’m a thirty-something year old, breadwinning wife to my husband, Jesse, and mom of three (Jay, Gabby, and Eli) living life in Las Vegas with our two cats, Spooky and Yara. Jesse is the stay-at-home dad and I work in marketing.
From 2015-2018 we paid off over $115,000 of consumer debt on a single income. Our debt consisted of credit cards, car loans, personal loans, 401K loans, phone leases, and student loans. We started our debt-free journey with Dave Ramsey’s book, The Total Money Makeover. Then, we shifted to the You Need a Budget philosophy using the YNAB software/app. From start to finish, I documented the journey on my Instagram account, @smartsncents. As a compliment and resource to my IG account, I started this blog and website.
In 2019 and 2020, we intentionally went back into consumer debt to pursue our dreams of going all electric in our vehicles and upgrading our home with solar energy. We are definitely living our version of a “rich” life — balancing saving, investing, having fun, and enjoying life on our terms.
Our Next Steps
- Pay off all consumer debt as fast as we can (again!).
- Pay off our mortgage as fast as we can.
- Retire early.
Lessons: Don’t give up and do what works for you!
Life Outside of Money
Since this is my personal blog, I’m very vocal about my other interests outside of money/finances such as lifestyle, family, natural self care, health, my grey hair journey, organization, productivity, habits, and much more.
I tend to be an all or nothing person and I’m trying to be better about this. No more putting Kat in a box (or boxes). Because, all or nothing get you nowhere. Progress not perfection, right?!
With this, I hope we can be longtime friends so stick around!