If you’re looking for a blog about personal finance, spreadsheets, frugality, minimalism, faith, and living a purposeful life with intention, you’ve come to the right place. Welcome to Keep Thrifty!
I’m Chris - a husband, proud father of 3, and complete personal finance nerd.
I’m on a mission to get our family 100% debt-free (including our mortgage) by 2020. I started this blog as a way to share what I’m learning along the way so you can replicate my successes and avoid my mistakes.
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We’re focused on three big goals and approaches at the moment:
Living Better with Less
We don’t get much enjoyment out of stuff, so we tend to focus on experiences instead (with a few exceptions). We’d describe ourselves as minimalists, mostly because we’ve found that life is a lot more fun when you don’t have the “mental tax” of too much stuff weighing you down.
We downsized to one car while living in the suburbs and even sold my wife’s engagement ring, not because we needed to - because we could free ourselves of one more possession and redirect that money to our current goals.
One radical method we’re using in 2017 is to commit to only buying used items (with a handful of exceptions). It’s a challenge but is helping us stretch our thriftiness!
Achieving 100% debt freedom by 2020
One of our biggest goals is free ourselves from as many financial burdens in life as we can. Step one is to achieve 100% debt freedom and we’ve set an ambitious goal of getting there by 2020.
As a single-income family of five, this isn’t always easy, but we are blessed to be free of student loans, auto loans, and any consumer debt.
All that’s left is our mortgage and we’re paying it down as fast as we can.
In addition, we’re trying to find other motivating milestones to shoot for including a fun one I came up with called Retirement Freedom
Traveling to all 50 states in the United States with our kids before they turn 18
Family time is number one and we’ve been building memories for the last few years through road tripping.
With 28 states already under our belt, we are on-track to get to all 50 by the time our oldest daughter is 10!
Every trip we take brings us closer as a family, builds memories we’ll carry for a lifetime, and challenges us as a family to grow and mature as we encounter new situations.
As Featured On…
With the amazing support of other bloggers and resources out there, the Keep Thrifty message has made it’s way to people all over the world. In particular,
I’ve been blessed to have articles from the Keep Thrifty blog featured on Rockstar Finance several times. Here are the “Rockstar Posts”:
- Fact Check: The Home Mortgage Interest Deduction
- Introducing Retirement Freedom
- Would You Trade $25 for an Extra Day of Freedom?
- 15 Lessons from my First Seven Jobs
- Experience is Better Than Stuff - Except When It's Not
- After 7 years of marriage, my wife sold her engagement ring
- How to Trick Yourself into Paying Off Your 30-year Mortgage in 12.4 years and Saving $68,000
Beyond this, I’ve also been featured on a number of great sites:
- Chris Guillebeau - Use this “Freedom Calculator” to Project Your Retirement Date
- Millennial Money Minutes Podcast - Interview with Chris @ Keep Thrifty
- Lifehacker - Find Out How Many Days of Retirement Your Contributions Can Buy With This Tool
- The Penny Hoarder - Why This Woman Doesn’t Regret Selling Her Engagement Ring
- The Financial Diet - The 7 Personal Finance Articles We Loved This Week
- The Street - Young Americans Are Shunning Credit Cards
- Budgets Are Sexy - Are You Retirement Free?
- MortgageLoan.com - Smart Financial Moves with Your Current Mortgage
- US News and World Report - The Financial Benefits of Living with Less
- EQ Bank - Should you go to Italy or buy a car? Here’s how to decide
- Lifehacker - When Buying “Experiences” Isn’t Actually Better than Buying Stuff
I’d love to hear from you - you can find me on Twitter (@keepthrifty) or you can use the form below: