Debt Free Arnolds

So upon consideration a blog seemed to be the easiest way to make me accountable and hopefully better at sticking to our budget and working on the garden.

We’re a married couple from Scotland and our aim is to be debt free and then buy land for a homestead. This blog is going to be a combination of our debt free and growing journey. I want to document what we’ve tried when growing our veg and also what went wrong (because I’m sure there will be a lot). I also hope it’ll focus us back on our budget and why we’re not supposed to be spending as that got lost at the end of last year. 

Here’s where we stand at the moment: 

Debt- 12.5k (excluding our mortgage)

We own a house with a reasonable size garden which is where we will be growing all our fruit and veg. The space is an issue- I still want to have a garden so don’t want to rip it all up for growing. Therefore I’m looking for the best ways to provide food for us on a small scale. As we go on you’ll no doubt see that my husband would love to keep bees and chickens just now (and a whole farmyard of animals once we have land) I however am not keen on this idea.

This will be our first full year growing and I’m starting to prepare the ground and the house for planting this week. The current intention is to grow the following:

Potatoes/ onions/ courgettes/ aubergines/ cucamelons/ tomatoes/ garlic/ carrots and incaberries. 

We’ve tried some of these before with varying success and some are totally new to us. We’ve also started what we hope will grow into a larger co-op with another couple. They’re going to provide peas and kale for us and we’ll trade them onions and potatoes! 

I’ve documented some of our successes and failures on our Instagram but feel it’ll help me to have this blog as well. 

We’d love to build a community of people both in Scotland and abroad who can give us hints and tips be spur us on. So if you have any advice then get in touch! 

In terms of our debt we are loosely followibg the Dave Ramsey plan. I know that he would say that means we arent following his plan at all but we’ve had to adapt a lot for the UK. We budget every month and previously did have weekly budget meetings. That had stopped but we’re going to go back to it. Our costs tend to be the same each month so it gdgs boring going over it. We also feel like we just maintain the same level of debt. Anytime we manage to make progress with paying it off something else comes up that we need to spend money does get disheartening. It feels like even when we deny ourselves and stick meticulously to our budget we still don’t get anywhere. 

Anyway that’s our introduction, I’ll be updating as we do things as we do them this year and hopefully get some great produce along the way!  


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A married couple from Scotland. Debt free wannabees, future homesteaders and grow your own enthusiasts.

9 thoughts on “Debt Free Arnolds”

  1. Good luck on your journey! We are traveling the same road, albeit in the States. We just purchased our land and will begin work this month on it. Take care and looking forward to reading more.


    1. That’s amazing, congratulations on getting your land! I’m enjoying catching up on your blogs, its always fun to see the challenges people have in other countries! Scotland tends to be fairly average weather wise whereas most other homesteaders seem to have to battle with their weather!


  2. Yes! Good luck to you folks. My husband actually just told me last night that he’d like me to write about budgeting and being debt-free. Maybe I can share some tips to help encourage you along the way. This is so exciting! I love seeing people have courage and stepping out to say, enough is enough we are making a change! Woo-hoo!!


    1. That would be great if you had any tips. I think it gets so difficult to see your own budget clearly and ways to improve it when you’re looking at it month after month! I’m sure lots of other people would like to read about it too 🙂


  3. A few things that might help you out:
    If your space is limited, look into square foot gardening, vertical gardening, and container gardening.

    Make friends with your neighbors (if you have them). Chances are more people garden than you realize. We’ve had neighbors give us produce, plants, starts, and even cheese, plus we made new friends. We had people start talking to us at our old place because of our garden.
    In reducing your budget to pay down debt faster, look at what you regularly buy and see what you can make at home, grow at home or swap out for a more affordable version.

    Oh, and if you are looking for somebody with year-round growing capabilities, check out She’s in Florida, and though she doesn’t have tons of info on year-round gardening, I know she plans to write more about it in the future.


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