Are you ready to crush debt this year? We’re are working super hard to pay off the last loan of our non-mortgage debt. Back in 2013, we were saddled with business and student loans, and I just couldn’t imagine making the monthly payments for the full term of the loans. So I concocted an idea to […]
READ MORE >>25 Ways to Find Money for Your Emergency Fund
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Emergencies happen when you least expect it. Just last week, my husband sent me a short text, “truck $700.” My stomach sank. He took the truck to our mechanic because a light came on on the dashboard. We were hoping for an easy (and inexpensive) fix, and we were certainly not expecting this news. But the […]
READ MORE >>How to Build your Emergency Fund
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A few years ago, our van needed four new tires to pass inspection. In the same week, I woke up one morning to an icy cold shower and the discovery that our hot water heater was broken beyond repair. The total cost of the replacements was $1000. Have you had weeks like that? Where everything […]
READ MORE >>Take Control of Your Retirement Planning
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This quote from Chris Hogan’s new book Retire Inspired: It’s Not an Age, It’s a Financial Number made me chuckle. As the mother of two young daughters I can totally relate to delusional thoughts about fairies as I have been waiting for the cleaning fairy to stop by for years. But in reality the current […]
READ MORE >>Take Control of YOUR Money in 2016
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I’m back! And ready to rock the new year. For me the new year’s reality sets in the first Monday after the holiday. My husband and I are back at work, our girls are back in school, and our normal routine resumes. This year, we took a long break over the holidays to travel to […]
READ MORE >>5 Easy Budget Categories to Reduce
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Need to cut your spending? We did too and these categories were the easiest to cut without feeling too much pain. The 5 Easiest Budget Categories to Reduce 1. Groceries According to data from the U.S. Department of Agriculture, a family of 4 spends up to $1284 a month on food at home. That is […]
READ MORE >>15 Smart Tips to Save Money When Eating Out
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Who doesn’t love to dine out? The thought of someone else preparing my meal, serving it, clearing the table AND doing the dishes is quite dreamy. At one time, we ate out every Friday night and again on Saturday and Sunday for lunch. In fact, there were many weekends that I didn’t cook, because we […]
READ MORE >>How to Pay for Your Quarterly & Yearly Bills
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Struggling to pay those bills that just happen once a year? They can cause a panic, but let me show you how to pay for yearly bills without stressing out. I have built a monthly system to set aside money specifically for our yearly bills and while I still dread writing those large checks, I […]
READ MORE >>7 Ways to Spring Clean Your Finances
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Take a deep breath, spring is finally here! If your winter was as long and cold as mine, then you’re also looking forward to opening the windows to fresh air and plenty of sunshine. For some reason those open windows awakens our need to spring clean, so take this time to get your financial house […]
READ MORE >>Where I Found $370 Debt Snowball Money in January
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Our main financial goal in 2015 is to pay down our non-mortgage debt. My hope is to have it all paid off by the end of 2016 and to do so we need to get creative and resourceful. Where can we find extra money? I have scrutinized our budget tirelessly and I really feel like there’s […]
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