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Hello and welcome to Saving Thyme!

Too often we don’t learn enough (or anything) about personal finance, budgeting, and investing while we are young. I know I never took a class in high school! As adults, we figure these things out as they come, and we often think about them as little as possible. It can feel overwhelming, confusing, and sometimes just not worth the effort.

This can easily lead to poor money decisions. Spending too much, not having anything for emergencies, putting off retirement savings, and living beyond our means.

It doesn’t have to be that way. Big changes start with small choices.

Saving Thyme can help.

Who am I?

I’m Kelly. Auntie to 6, lover of books, pursuer of new experiences, and educator of little ones. I got my first teaching job in 2009 and I’ve been in education ever since, living and working in Virginia, DC, Switzerland, and most recently Portland, Oregon.

I had always considered myself to be financially illiterate, and believed that the world of personal finance and investment was my “idiot zone” that I would just never understand (yes, I actually thought that was a thing, even as a teacher). Investments were too complicated to learn, retirement was too far away to really think about, and I very loosely kept a budget. I also wasn’t a great cook, so I relied heavily on takeout and boxed pasta with tomato sauce.

I made bad money decisions, and in 2014, upon moving back to the US from Switzerland, found myself deep in credit card debt with no idea how I got there. I knew I had to make a change.

That same year I met Andy, who has Celiac disease and eats gluten free. We hit it off, so I started learning more about gluten free cooking, and therefore cooking in general. I realized there was a lot more to life than boxed pasta and that cooking for myself was saving me a lot of money. Suddenly learning to cook was exciting, and it was helping my finances.

I dedicated myself to learning more about money and cooking. I read books, listened to podcasts, took some cooking classes, and watched a lot of Food Network. My habits improved and I started seeing a real change. Once I got serious about taking control of my money, I finally realized that being financially illiterate was a self-fulfilling prophecy and not my future. I could learn about money, and so can you.

Living a life you love is possible on any income. Living frugally doesn’t have to be boring. Saving money doesn’t have to mean boxed pasta, and saving time doesn’t have to mean takeout.

It’s all about your choices. Are you ready?

Where should you start?