Fashion + Debt-Free Living

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I scheduled our last car payment a few weeks ago. As of February, we are completely debt-free! Though I know eventually we will have other loans, I almost can’t believe it.

When your husband comes to you and says he’d like to leave his job to pursue a freelance career, “financial stability” doesn’t show up on the pro side of the pro/con list. But honestly, I just wasn’t that concerned. Stability is a relative term and we decided not to let fear prevent us from taking this leap of faith toward a more fulfilled life. It was’t a blind leap; we had thought it out and made some calculations but it was a big jump nonetheless.

Despite that risk, in the past five years, we’ve managed to pay off my school and two car loans, start a business, travel, and improve our financial situation. God has been good to us and we want to be wise with what we’ve been given.

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After a full holiday season, I put myself on a shopping break. Clothes have never been a source of debt but that’s not my issue. I find it’s really easy to find a cute shirt at Target when all you really needed was laundry detergent and lemon Pledge; those little things add up. And don’t even talk to me about what I could spend at Anthropologie! In light of this, I am making a conscious effort this winter/spring to better utilize my closet. I wear a uniform at work so you’d think experimenting outside the job would naturally happen since I don’t wear “real” clothes everyday. But I have to remind myself to look past the first few hangers instead of grabbing whatever’s easy.

I bought this shirt at a boutique in Chicago several years ago, but I haven’t worn it in months. I paired it with my black Abercrombie & Fitch, high-waisted jean legging and black Madewell booties. I really liked the result.  Restrictions and parameters are good for not only my wallet, but also my creativity!

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Shirt from Cerato (old) | Pants from Abercrombie & Fitch | Shoes from Madewell (similar) | Sunglasses from Gap (Old)

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35 thoughts on “Fashion + Debt-Free Living”

  1. Ahhh, congratulations on being debt-free!! What an accomplishment! 🙂 I know exactly what you mean about Target. I had to stop going for a while and just pay a bit more for household items at the grocery store (or ask my husband to do the Target run). Love the outfit!

  2. You look amazing, friend! And congratulations on being debt-free– that’s a huge accomplishment! I’ve also stopped shopping, at least until my next capsule wardrobe. I’ve stopped thinking of shopping as an activity, but more of a necessity only once every season, if that.

  3. First, CONGRATULATIONS on being debt free!
    That’s major awesome.

    I’ve been trying to pare down my wardrobe as well to find pieces that I actually like/wear.
    Love what you’ve put together!

    1. Thank you, Rachel! I am continually in a state of paring my wardrobe down but also not feeling like I have to have a certain number. There are pieces that I know would be useful in the long run but I’m trying to be wise and purchase things I know are good quality.

  4. Congrats! Feels great to not make payments towards a car 🙂 We might be taking a similar leap – with my husband getting a new job, us moving to a new state and me leaving a very good job.. Thanks for the inspiring words on how you went about it all.

  5. CONGRATULATIONS! so happy for you guys. I know the feeling of being in debt all too well and it’s a heavy one. The shirt is really cute and I really like the idea of being creative with what you already own rather than piling on your closet with new things.

  6. Congrats on being debt-free! That’s a huge accomplishment! I’ve been on a little-to-none shopping kick for over a year now, ever since we decided to move overseas I decided it didn’t make sense to buy new clothes that wouldn’t fit in my suitcase. I’ve definitely gotten pretty comfortable with the clothes I do have.

    1. Thanks, Rachel! I finally feel like we’re at a place where we have the necessities to keep a house running. We weren’t gifted much furniture when we got married and you can only eat on cardboard boxes for so long..haha. It’s nice to have pieces that work and we don’t need to replace!

  7. Your outfit is super cute! I’m trying to reduce my closet right now to things that I love and wear and get rid of all the blah things. I also want to get some more basic classic pieces that go with everything.
    Congrats on being debt free!! That is one of my future goals!

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