My name is Kate. I live in Las Vegas with my husband, Jesse, and our children, Jay, Gabby and Eli. Smarts n’ Cents is a place where we share our journey out of $115,956.54 in consumer debt and our personal finance story.
For years, we accumulated a mountain of debt by way of loans, credit cards, big home mortgages, student loans, etc. We were living the American dream (financing everything) and keeping up with the Joneses. We were sick and tired of living paycheck to paycheck, and living beyond our means. In 2015, we were acquainted with Dave Ramsey and his financial philosophy. However, it wasn’t until March of 2017 that we fully committed to Dave’s 7 Baby Steps to take control of our money. Now, we are well on our way to becoming debt-free!
On this path to financial independence, we have learned tons about personal finance both inside and outside of the Ramsey personalties. We have come across many different strategies and methods, including YNAB, to handle budgets, debt payoff, savings, and investing. We have truly blended all this knowledge and applied it to our finances, in the best way we see fit (for us, and maybe for you).