Last week was an adventure, but not the grand-adventure-of-my-dreams type. It was more like the pulling-my-hair-out-when-will-this-thing-end type. If you subscribe to my emails, you know we’ve had a mold issue at our house, and I have been parenting mostly solo the past few weeks while my husband works on dealing with it. I was also so sick I could barely get out of bed when we moved out. My husband had to drive us the three hours up north to drop us off, and leave me curled in a ball on the couch.
Then my middle daughter got the flu.
When it rains, it pours, right? If you’re a mom, you have probably experienced the kind of exhaustion I have been experiencing. I’m talking about the kind where you are sick as a dog but have to keep on keeping on anyway. Does anyone else miss the days where being sick meant being taken care of?
As if dealing with mom life isn’t enough, there is that gnawing worry about the extra money we’re spending, or really, the money we don’t have right now to spend. There never seems to be quite enough for everything that happens. The cars are always breaking, or there is something wrong with the house, someone needs to go to the doctor, or the insurance didn’t cover a bill… It seems we are always working to pay back our emergency fund or credit cards, because some emergency is always happening!
Guess what, though? We don’t have to be stuck here forever.
“When life seems like a perpetual treadmill rather than a grand adventure, something is off.” – Kim Anderson
LIVE. SAVE. SPEND. REPEAT.
Kim Anderson recently launched her AMAZING book, Live. Save. Spend. Repeat: The Life You Want with the Money You Have, and she has renewed my hope that things can (and will) get MUCH better!
Kim’s book gives you the tools to take an honest look at where you’re at, and the plan and motivation to move forward toward your dreams. She teaches you how to get out of the cycle of Work, Spend, Worry, Repeat, out of the daily grind and on to a more fulfilling life.
In my opinion, what really sets Live. Save. Spend. Repeat. apart from other finance books is that it is SO encouraging and down-to-earth. I listened to the Audiobook, and it was highly entertaining and relatable!
ABOUT THE AUTHOR
Kim Anderson is also the author of the Thrifty Little Mom blog and has been featured on Time.com, Money.com, and GoodHousekeeping.com. Kim and her husband, Cressel, paid off $93,000 in debt in two years on one income!
I have been an avid listener of Kim’s podcasts (Just Keep Blogging and Thrifty Little Mom) for a while, and had the opportunity to meet Kim and talk with her about her book at the ACTIVATE blogging conference in Portland!
I am SO excited to share her wisdom with you, because she agreed to do an interview for my readers!
Here is my conversation with Kim:
Kim, thank you so much for chatting with us! Can you tell us a little about your new book and the title, “Live. Save. Spend. Repeat: The Life You Want with the Money You Have?”
Kim: The book was written to inspire women to wake up from the haze of everyday survival and think about what they really want out of the one life they have to pursue. To help them decide to strategically put their money behind their life goals.
I used “Live” first because the truth is, we all have to live and enjoy the everyday! Save, Spend, Repeat was to help people see that budgeting can actually be a pretty simple pattern of Living, Saving and Spending that gives us momentum toward the life we long for.
One thing I love about your book are the stories about your life and the passion with which you and your husband have pursued your goals. What advice would you give someone who wants to start tackling debt or saving, but their spouse isn’t fully on board?
Kim: This is a tricky one because your spouse is 50% of your life. So it’s like being in a three legged race (you know those old fashioned relay races). You are tied together and if one person starts running faster than the other, someone is going to fall and get dragged around by their ankle. It’s not going to be an easy task. One person will keep the team from getting momentum.
So the most important thing couples can do is sit down, talk about the situation, think about what they really want and commit to working together toward that goal, even if you have to get creative by using the types of strategies that motivate you (which I talk about in depth in the book).
In the book, you mentioned budget apps where both spouses can sync their spending. Are there any specific apps you recommend?
Kim: We have used a few different ones. In my opinion EveryDollar is hands down the easiest one to use!
Do you have any ideas for moms who are home with little ones to help generate income?
Kim: Always go back to what your individual skills, talents and abilites are. Let those be your guide. Don’t do multi level marketing if you have a small network of friends and hate selling stuff. It’s a waste of your time and money. Instead, think about what you are already good at or what tools you have to use and make money that way.
So if you are great with kids and enjoy caring for kids- offer childcare. If you rock at cake making- start selling your cakes. If you love to sew and have an embroidery machine, start making a side income by personalizing stuff for your friends.
You are a busy mom and businesswoman with your blog, consulting company, two podcasts, and three young children! Do you have any tips to balance pursuing your goals and raising your family? How do you meet your goals, but still put family first?
Kim: I really try to segment my time and get help when I need it. For example, I have working hours and family hours. When the kids are home from school or daycare, I stop working. When all the kids go to bed, I can go back to working on the things I enjoy- which is usually work because I REALLY love the work I do.
In an effort to be able to manage all the goals we have and pursue the flexible life we wanted we moved our family back to be close to family– as in across the street. That has been a HUGE help. We live so close to everything and everyone that we are able to actually live within a community support system where before we were really juggling it all on our own. Even though we had to physically move, the decision was the best one to help us continue to pave the way toward the life we really want!
I really liked your idea in your book of DIY entertainment and food to save money. Do you have any favorite at-home date night ideas?
Kim: One thing we like to do is make pizza and watch a movie on Netflix. I’ll often hit up the dollar store for movie candy and popcorn. One Christmas I bought us a bunch of strategic 2 player board games so we could actually talk and hang out on date nights. Our most favorite activity is hanging out around our fire pit grilling dinner and making s'mores.
The scriptures and section about building your relationship with the Lord are so powerful. How has your faith affected your career choices and money decisions?
Kim: There was a time in my teenage years where I came to a place in my life where I really questioned whether God cared about me at all. Whether I was loved. I was mentally in a particularly bad place one night and I can remember telling God that I really didn’t think that He cared a thing in the world about me. I opened up my Bible that night, looked down and read Jeremiah 29:11- "For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.
And with that, and a good hard cry, I realized that yes… indeed, He not only cared about me and loved me, but that He actually had really good plans for my life. And if I want that good life, all I need to do is trust God and do my part to take the next best step toward the dreams and goals that are buried within. Then I just show up, do the work, ride the waves of life and enjoy the peace He’s given me!
Thank you so much to Kim for spending time with us, and sharing your wisdom!
For my readers, if this resonated with you, I hope you’ll pick up Kim’s book Live. Save. Spend. Repeat: The Life You Love With the Money You Have, and get ready to live your own grand adventure!