You Can Adopt Without Debt


In 2000, Julie and her husband, Mark, declared war on their debt – credit cards, student loans, cars and the house. Seven years later, as they wrote the check for their last mortgage payment, God called them to adopt two children from Ethiopia. A few months later, with their income unexpectedly cut by two-thirds, they wondered if they could finish the adoption without crossing back over into the red. When they brought Wendemagegn and Beza home 12 months later, Julie and her husband proved debt-free adoption is possible!

Passionate about helping others achieve their adoption dream, Julie shares how to find extra money in your household budget, apply for grants, and fundraise in order to build your family without saddling it with debt. With over $80,000 worth of creative fundraising ideas from more than 30 adoptive families, the second edition of “Adopt Without Debt” shows you how to fulfill your adoption dream without signing away your financial freedom.



Affording adoption blog posts

My #1 tip for getting control of your budget

Adoption Grants



On June 7, 2011 I was honored to be interviewed about the book on The Dave Ramsey Show. You can read about it and hear the 10 minute interview here.



  1. […] Last year I was working with an adoptive mother named Stephanie, who shared with me an amazing resource. It’s the book “Adopt Without Debt” by Julie Gumm. I immediately bought the book, and can say that through using some of the ideas in this book and through hard work, my husband and I have not paid a dime for our adoption thus far. So I want to share this resource with all of our families! Here is a link to Julie Gumm’s website, where you can purchase the book or find information on adopting without debt: […]