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Adopt Without Debt

BOOK DESCRIPTIONIn 2000, Julie and her husband, Mark, declared war on their debt – credit cards, student loans, cars and the house. Seven years later, as they wrote the check for their last mortgage payment, God called them to adopt two children from Ethiopia. A few months later, with their income unexpectedly cut by two-thirds, they wondered if they could finish the adoption without crossing back over into the red. When they brought Wendemagegn and Beza home 12 months later, Julie and her husband proved debt-free adoption is possible!

Passionate about helping others achieve their adoption dream, Julie shares how to find extra money in your household budget, apply for grants, and fundraise in order to build your family without saddling it with debt. With over $80,000 worth of creative fundraising ideas from more than 30 adoptive families, the second edition of “Adopt Without Debt” shows you how to fulfill your adoption dream without signing away your financial freedom.



Affording adoption blog posts

My #1 tip for getting control of your budget

Adoption Grants



On June 7, 2011 I was honored to be interviewed about the book on The Dave Ramsey Show. You can read about it and hear the 10 minute interview here.





  1. Being an adopted parent, we passed this gene on to our daughter. Her first child came from Russia and she is the delight of her Grandparents (and of course of her mom and dad). As you know this was an expensive proposition. I’m not sure if our princess from the east is completely paid for, but God has spoken to her again and there are three of our children, (stuck in the Ukraine). I purchased and read your book tonight. I am an old 28 year retired Marine and seldom get emotional about many things, but my eyes sprung a leak when I finished your book. I was looking for help for my new grandchildren. I do not know how we’ll get them here but you have given me new hope. Thanks
    Hope you can pass on our website

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