About

Hello, my name is Pam, and my husband and I are both dedicated to being financially smart. We both work full time and it is our hope that someday we will be able to work fewer hours so that when we have kids we will be able to spend more time with them. We also have dreams of traveling and seeing as much of the world as we can.   We are all about living life to the fullest and enjoying semi-retirements throughout our lives instead of waiting until we are 65 to do the things we want to do. We are embarking on a journey, and we want to share our experiences with you.  We know that there are people out there who think we are crazy for wanting something more out of life, but we are determined to pursue our goals and passions.  We are budding entrepreneurs looking forward to the next step. We also encourage you to share your story and the way you are working towards achieving your life goals. We always appreciate learning new ideas. We hope that our site is helpful and encouraging, and maybe even a little entertaining!

Our Big Dream – Attaining Financial Freedom

My husband and I have big dreams of getting out of the rat race by attaining financial freedom.  We have read all kinds of books and attended trade shows and other events in order to learn new ideas for making it happen.  We know that it will take time to reach this goal and we would like to share our journey with you through this blog.

What We Started With

When we were first married we didn’t have a lot of money.  I had about $3000 worth of student loans and my husband owed his family about $5000.  We had a simple and inexpensive wedding ceremony and used most of our wedding gift money to pay off my student loans.  A year later we had saved enough to pay off the family debt, so for a while we were completely debt free.


We Bought A House And A Newer Car

After living in a tiny one bedroom apartment for two years, we purchased a small house and for the first two years we put $12,000 lump sums towards the principal as we were working hard to pay the mortgage down as quickly as possible.  In our third year, however, instead of putting a lump sum onto our mortgage, we used the money to buy a newer car with cash rather than taking out a loan.  Since then, we have been keeping our money liquid and accessible so that when we start our business, we will have enough cash flow on hand (although we would love to put more towards our mortgage as well if we could).

Our Next Step

Although we are not one hundred percent clear yet on what our next business project will be, we are confident that this must be our next step in achieving financial freedom.  We have considered everything from an import/export business to investing in real estate, and right now we feel overwhelmed with all the options.  However, we will soon step out and make our next move towards building a profitable business.  I will keep you posted on how things go with our new project.

Thanks for joining us on our journey to financial freedom.  Please feel free to contact us anytime by clicking here.  I look forward to hearing from you!