Welcome to Dirt Road Daisy!

Hi!

I’m Mrs. Daisy.

And my family is $115,676 in debt.

Not including a mortgage.

Yep, you read that correctly.

What a way to start off my very first blog post. You are probably wondering why I am airing my dirty laundry for the entire internet to see, right?

For the longest time, I have felt ashamed and embarrassed over the amount of debt that we have racked up. While doing some research on strategies to dig ourselves out of this hole, I came across some staggering statistics:

  • The average American household has a total debt of more than $90,000. This includes households that are debt free.
  • The average household carrying debt averages more than $130,000.
  • Total debt in the U.S. is $12.12 TRILLION.

I may have done a selfish little happy dance when I realized that we are not alone in this hole. Just a short dance though, because it also kinda sad and disheartening that Americans have been sucked into this debt trap.

We have not taken out any new credit lines or used any credit cards in over two years, but it’s still an uphill battle.

Who is Mrs. Daisy?

I’m going to have a hard time making this short and sweet, because I’m the kind of person that wants to give you alllllll the details. Here we go.

Mrs. Daisy is not your typical frugal finance lifestyle blogger.  I am not a homeschooling, stay-at-home, Christian wife and mom of several children that makes every meal from scratch.

Please don’t get it twisted. I have no dispute with anyone that is. Do your thing, sister. That’s just not me – but 7 of the 8 blogs that I dutifully read every morning are.

I am a 50 hour per week working, sarcastic, slightly (ok, really) inappropriate, non-religious, mother and wife that serves my family processed foods at least once per week.

Working mom guilt is a thing y’all. But that’s a topic for another day.

I am a happily married woman to man much younger than me.

Where my cougars at?!

Mr. Daisy’s list of talents is a mile long, but my favorite things about him is that he is willing and able to cook, clean, bathe not-so-willing dogs and our 3 year old daughter (not at the same time…at least I don’t think so), pick up tampons from the store, do laundry, and let me sleep in when I’ve stayed up until 3am reading a book that I can’t put down. Insert heart eyes emoji here.

Little Daisy is our three year old, stupidly smart, animal loving, dancing queen of a little girl. She makes our hearts smile every single day. But damn, she’s expensive. Kids are expensive.

How did we get here?

By here, I mean $115,676 in debt. Without a mortgage. Let me break down all of the embarrassing details for you.

STUDENT LOAN DEBT $86473

I am the first member of my family to attend and graduate from college. It’s safe to say, we had no idea what we were doing. I blindly took out loans, chose an extremely expensive private school, and paid for room, board, and a meal plan for 4 years.

 CREDIT CARD DEBT $ 4785

Mr. Daisy had never had credit cards before we got pregnant with Little Daisy. I had one in college to pay for important things like textbooks and spring break trips. Priorities. There’s no excuse for our credit card debt other than we were impatient and wanted things now rather than waiting to save the money to buy whatever super important item it was.

VEHICLE DEBT $25847

When Little Daisy was born, we realized I needed a car that was a tad bit safer than the old (paid in cash!) Impala that I was driving. We decided to roam a Kia lot one day around noon, and by 2pm we had been financed for a brand new $26000 2013 Kia Optima. Walking out of the dealership was like exiting the Twilight Zone. It all happened so quickly. But it happened, and now I am going to drive the wheels off of this beast.

Mr. Daisy’s trusty old truck started to have some transmission issues and he let me know that we needed to find a replacement quickly. He is a mechanic after all. We didn’t have the savings, but had the credit approval from our local Credit Union to purchase a $17,000 truck.

 

PERSONAL LOAN $2571

We ran into an unfortunate personal situation that required a few thousand dollars that we did not have saved. Our only option was to take out a personal loan from our Credit Union to take care of it.

So, here we are.

Come along with us as we navigate through this debt; share our frugal lifestyle adventures, our failures and successes, some of the things we’re passionate about, and hopefully a little entertainment.

Tomorrow, I’ll be sharing with you what you can expect from Dirt Road Daisy should you decide to come back…which I hope you will!

If you stopped by today, I’d love to hear about who you are in the comments! Tell me one thing about yourself…frugal related or not and how you found Dirt Road Daisy.

9 COMMENTS

  1. Laura | 24th Feb 17

    Hi! Love your personal description. I don’t fit the mold of the typical frugal blogger, either. I gain tons of inspiration and information from those who do, so mean nothing mean-spirited when I say that it is nice to find a kindred spirit. 🙂

    • Mrs. Daisy | 24th Feb 17

      Aw, thanks! I was worried about writing it in that manner, but it’s the truth and that is what I want to depict. I don’t fit the mold, but that’s what makes the world so beautiful and inspiring. Different strokes for different folks! 🙂

  2. Vickey | 2nd Mar 17

    Delighted to make your acquaintance! I’m also non-religious, and passionate about the environment, science (and reason in general). If you don’t mind saying, what area of science do you work in?

    • Mrs. Daisy | 3rd Mar 17

      Hi Vickey! My degree is in Biology with a minor in Chemistry. I have been in the food, beverage, and nutritional supplement industry throughout my entire career. More specifically, I run the Compliance and Regulatory department of the company I am with now. Is there a specific science that you are interested/involved in?

      • Vickey | 3rd Mar 17

        I’m not involved in science professionally, other than bringing as much reason as I can to my work with a faith-based organization. But I’ve gotten pretty outspoken on the broad topics of science and *facts!* lately.
        Seems to me the pickle we’re in politically, economically, and environmentally is a direct result of delusional thinking and/or decisions made without benefit of facts, logic, reason. Oh, and that greed thing. 🙁

  3. TrayceeBee | 3rd Mar 17

    Just found your blog today and I love your style! Can’t wait to continue to read and watch your journey. =)

    • Mrs. Daisy | 3rd Mar 17

      Thank you! Same to you 🙂

  4. Bless | 11th Mar 17

    Just discovered your blog through Nathalie at Imperfectly Frugally. Reading from the beginning so I can “catch up”! It’s very easy to accumulate a debt when you have student loans, car loans, etc. Love your honesty. Off to read the rest of your posts.

    • Mrs. Daisy | 11th Mar 17

      Welcome! I hope that you enjoyed reading so far – I look forward to more of your comments!

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