Julie Gumm - Author

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Driving our Debt Around

07.23.2010 by juliegumm@yahoo.com //

Part 3 of our Debt-Free Story

As I’ve mentioned, I come from a family who drove cars until they died. In the entire time I grew up I only remember my parents buying 4 cars including the one they had before I was born. One was a 1970 Ford. Then a Pontiac hatchback and two Honda Accords.

The Ford lasted about 17 years before my brother totaled it. One Honda met the same fate (different brother) and the other two were driven until it no longer made sense to repair them. The 3 kids never had their own vehicle but we managed schedules and shared the vehicles w/ our family of 5. There was lots of carpooling and ride sharing going on.

I told Mark early on in our marriage that if it wasn’t a convertible (my dream car) then I didn’t much care what I drove.

When we graduated college I was driving our 92 Nissan Sentra. About three months after we’d moved to San Antonio I got into a fairly minor accident, rear ending someone when my brakes locked up on a wet road. It did a pretty good number on the front of the car despite being pretty low speed.

Suddenly Mark was determined that I needed a “bigger, safer car”. I’d seen the cars Mark had driven in high school. “Bigger” meant “grandma” car. No thank you! We compromised on a Dodge Intrepid which we purchased, trading in the repaired Sentra.

Of course that meant trading in my $156 car payment for a $267 car payment.

A couple years later Mark decided to downgrade the debt he had on his truck. We sold it to his parents and he bought an older used Mazda 626. This seemed like a turning point in our car buying patterns. Our car debt was going down, not up!

Oh wait…

About a year later, Mark got an itch to buy an SUV. We only had about a year of payments left on the Mazda 626 so I pleaded that we not get rid of it. So that meant it became mine and we sold the Intrepid (again to his parents) and bought an  ’97 Ford Explorer.

It was during this time that Dave Ramsey implanted himself into our lives and our car buying habits would soon change forever.

By the way – if you’re counting, that’s 4 years of marriage; 6 vehicles.

Archives

  • Part 1:  The Early Years: In Love and In Debt
  • Part 2: Joining Financial Baggage

Categories // Featured Articles, Financial Freedom Tags // car payments, dave ramsey, debt free, financial freedom, new vs. used cars

Meeting My Online Peeps

07.21.2010 by juliegumm@yahoo.com //

This fall I’ll be headed to Austin, TX to attend the Together for Adoption Conference where I get to be a featured blogger. Besides all the great content at the conference I’m super excited about meeting up with some online friends “in real life”. These is just a sample of some of the awesome gals I’m excited to hang with.

Brandi McElheny – This girl is like a fireball of passion, energy and prayer aimed at injustice. I’ve known her online for a couple of years but got to meet her at the CAFO Summit in April and then I got the opportunity to hang with her one night in June while in Colorado. She’s the real deal and a total blast!

Angel Weir – I “met” this girl online when researching Ethiopia adoptions. She had just been on a missions trip to Ethiopia, had one adopted daughter and another on the way. Then through her and her husbands work on the Red Letter Campaign we became friends. Imagine my delight when she was in Colorado at the same time I was and got to meet her at the aforementioned night as well. And now she’s paperchasing for an Ethiopian adoption.

Wendi Henry – Wendi and her husband Sam have a huge heart for orphans and started the micro-giving site HopeMongers. She’s another Colorado-dweller and was in on the fun girls night last month with Brandi & Angel. Totally excited to hang out with her again and get to know her better!

Amy Bottomly – Hooked up with this gal via Red Letters Campaign and got to design a web site for the book her and Josh wrote about their adoption “From Ashes to Africa“. Turns out she’s a John Brown University grad although I don’t think our paths crossed while there. They just brought home a darling daughter from Ethiopia (to join brother Silas) and I’m super excited to get to meet Amy in person.

Jody Landers – Found this beautiful gal a couple years ago when I was adoption blog stalking and have read her off and on since then. She’s a huge advocate/fundraiser for clean water (Water for Christmas). Jody pours out her heart on her blog and has walked through some extremely tough stuff in the last year and it has been such a privilege to read her honesty and be able to lift her up in prayer. I have probably only commented on her blog a couple of times so my behavior might be borderline stalkerish at T4A 🙂 But since she knows Brandi and Wendi hopefully they’ll vouch for my sanity!

Mary Ostyn (aka Owlhaven) – She’s got 10 kids from 3 countries – another blog I found in my early adoption journey. She’s a woman after my own frugal heart and her blog has tons of great ideas on saving money, great recipes and fun family stories. She’s written two great books as well – both in my personal library: “A Sane Woman’s Guide to Raising a Large Family” and “Family Feasts for Under $75 a Week“.

There are so many more, maybe I’ll have to save some for another post…

Categories // Featured Articles, Orphans & Social Justice Tags // conferences, orphans, together for adoption

Foster Child Mentors

07.20.2010 by juliegumm@yahoo.com //

Tonight I’m attending an orientation session with AASK (Aid to Adoption of Special Kids) to find out more about their mentoring program for foster kids. (It includes general foster and adoptive information as well.)

It’s an opportunity that we used to advertise through our previous church orphan ministry and one that I’ve been interested in for some time but felt like it wasn’t the right time for one reason or another. But I’ve realized there will never be a good time unless I make it a priority.

Here’s a great article about how mentors can make a huge difference in the life of a foster child.

Mentors prove a savior for foster children

More info about the program

Categories // Featured Articles, Orphans & Social Justice Tags // foster children, mentor, mentoring

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About Me

Writer. Wife. Mother. Traveler. Coffee-addict. Book-lover. Television-Junkie. I love stories. Hearing them, watching them, telling them, living them.

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