About The Frugal Farmer
For the first 45 years of my life, I thought that whether a person was poor or rich was just “luck of the draw”. After all, that’s what we were told by so many people. Because my husband and I chose to believe that message, we spent two decades making a colossal mess out of our finances. We assumed that we just didn’t make enough money and that we couldn’t help all of the expenses that came our way. We had totally mixed up the definitions of needs and wants, and justified unnecessary expenses like an addict justifies their drug of choice.
We hated the financial situation we were in but felt powerless to do anything about it, since wealth was a “luck of the draw” thing, after all.
I’d read personal finance books over and over again, but there was a little message in the back of my mind that continually told me “Wealth is not for you.”
In one last desperate attempt to stop living paycheck-to-paycheck, I searched the Internet and found the world of personal finance blogs and the stories of real-life people (not just already-famous experts) who were dumping debt and building wealth. At the same time I found stories about people who ended up in a crap load of trouble due to years of bad financial choices.
It was at that time that we started to learn the truth about wealth accumulation: that it is largely in the control of the individual.
So we began, in January of 2013, a journey to get out of debt and build wealth. Our journey hasn’t been without its ups and downs. Turns out there were many hidden wrong beliefs about ourselves that had helped to contribute to our massive consumer debt load. We both suffered from very low self-esteems and from the damage caused by traumatic childhood events.
As we began to pay off debt, we found we first had to heal from the trauma issues that were at the root of us spending more than we made. This has been a long and sometimes painful process, but we’re finally mostly on the other side of healing and now delivered from the belief that money spent is a healing force. As such, we’ve discovered that, more than buying “stuff”, we deserve financial security.
So we’re sharing our journey to personal finance revelation and how that revelation is helping us to become debt free.
So many people suffer because of a lack of knowledge about money and why they spend it. Our goal is to help people overcome that lack of knowledge and move onto a new chapter in life: one where money and a lack of it doesn’t dominate their time and their thoughts.
We also share on this site the other two tenets of our newly discovered life: preparedness and homesteading (see below). We’ve found through this journey that it’s vitally important to work to be prepared for troubles that may come your way, and we’re also wholly committed to creating a home where love, life and warmth abound through homemade apple pies and days wandering through our wooded back yard, simply enjoying nature.
So on this site you’ll find three areas of reflection: personal finance, preparedness and homesteading. Our hope is that each area blesses you in a different and uplifting way.
*P.S. We recommend a lot of books in our posts. Why? Because studies have shown that one major difference between the wealthy and the non-wealthy is that the wealthy spend at least a half hour per day reading non-fiction, educational books. The wealthy don’t read non-fiction books because they’re wealthy, they’re wealthy because they place a greater value on education than on TV or electronic games.
Because we believe firmly that education is a vital key to financial and other success, we’ll recommend books and other products that we’ve found beneficial along our journey. If we don’t believe in a product, you won’t find it recommended on our site.
About “The Frugal Farmer” family
We’re Rick and Laurie. We’re 40something parents of 4 young children (3 daughters and 1 son) that left life in suburbia to live on a small hobby farm in the Midwest. Here, we have gained a greater sense of peace and perspective on life. Home schooling on a hobby farm has granted our children skills and abilities that they couldn’t have easily learned in our old life, but, they’re learning them now, and loving it. Jesus is our Lord and Savior, and has shown us wisdom and love beyond our wildest dreams. You’ll hear about Him occasionally in our posts, as His guidance has been instrumental in bringing us to this wonderful farm life.
Our hope is that this site blesses you abundantly, wherever you live!