$100,000 is a lot of money. That’s higher than some people’s mortgage! But it wasn’t even counting mortgage for us. That was all of our combined debt, not including our house. We had it all: student loans, credit cards, a car loan, medical debt. As […]
This is going to be a controversial topic, but I hope you stick with me. If you are married and have separate bank accounts (even if you have one joint account and a separate, individual account), you have company. 42 % of married couples, or […]
When we started paying off debt, my husband had an irregular income. It really threw me off. I wasn’t quite sure how to know exactly how much to allocate to different categories (including the snowball method for paying off debt) with a paycheck that changes […]
Are you brand new to budgeting and looking for a beginner’s guide to budgeting to get you started? You’ve come to the right place! Or, have you tried it and “failed”, then found this post? I say “failed” because it’s not failing if you learned […]
It’s a term you hear about, might know something about, but might not fully understand its implications on your finances. The compound interest I am talking about here is on credit cards, not in your investing portfolio. I was talking to a good friend recently. […]
Fights about money are some of the most common in a relationship. There is undoubtedly something about money that the two of you do not agree on. And since money can be an extremely sensitive topic, it can get the argument heated very quickly. There […]
Our family took a bit of a break during the holiday season, so it’s good to be back and to see you here! Between it being H’s birthday and Christmastime with family, December was a busy month. Now we’re back in the thick of things. […]
Christmas is such a joyous time, and is my favorite time of year. Everyone acts so different: you get a “pay it forward” free coffee at Starbucks. People actually let you cross lanes in front of them instead of speeding up. You get friendly smiles […]
Credit cards are everywhere these days! Chances are you’ve had at least one (I know I did!). You’re wondering if you should keep it, or possibly get another one. But let’s talk through this first. We had just gotten out of debt and started on […]
Bills that fluctuate in amount can really throw a budget off. And irregular bills can account for a good chunk of overall monthly expenses. Think things like electricity, gas, groceries, water. These monthly expenses make it difficult to sit down once a month and create […]