Making Small Steps Toward Big Savings
What if I told you that there was a budget strategy that is absolutely vital to helping you stay on budget, that can help reduce the stress in your budgets, and that makes sure you can cover unexpected expenses without dipping into your emergency fund? If it sounds impossible, it’s not. It’s simply a sinking… [Read More]
Occasionally on our debt free journey things go off the rails. Whether it’s because we had a month that we had unexpected car repairs, or because I hit a funk over the summer, getting off track with our budget happens from time to time. But the end game of being completely free from debt is… [Read More]
Before we started to get serious about paying down debt, we knew we had debts. Between the car, credit cards and our student loans, it was no surprise we had debt. But we didn’t know exactly how much debt. We knew rough estimates on who we owed to who. Let’s be honest, we were having… [Read More]
Does this sound familiar? You work hard at a job that you don’t particularly enjoy for a paycheck. When that check comes, you have to dish that money back out to pay for your car, your house, your credit cards, and so on. You feel like you’re barely making it month to month, and you… [Read More]
When you’re just starting on your debt free journey, you’re encouraged to find things in your budget that you can cut back on, or cut out entirely, to help increase your income and pay off your debt faster. For some people, cutting back on, or stopping your retirement contribution entirely, falls into this category. But… [Read More]
When it comes to paying off debt, the first question most people what answered is which method is better at paying off their debts. Is it debt snowball? Or is it debt avalanche? Which method will be better for you during your debt free journey? The answer may surprise you! Debt Snowball The term debt… [Read More]
One of my goals for 2017 was to get better at managing this thing called life. With the kids getting older, motherhood was entering a whole new phase for me. I wasn’t set to their nursing and diaper schedules anymore. I had 7 soccer practices and 3 games each week to keep up with. As… [Read More]
When beginning to budget in order to reach financial goals, you’re encouraged to start with a zero based budget. But there’s a lot of confusion around zero based budgeting. One of the most common misconceptions, one that even I was guilty of, is that you are constantly bringing your account down to zero. I’m here… [Read More]
For the last few months I’ve shared the breakdown of our monthly budget, as well as what we pay each month towards our debt. I don’t share these because I want to boast. Goodness knows that’s not the answer. I share these because it is a way for me to keep track of our finances, both… [Read More]
For the last few months I’ve been sharing our monthly debt payments. I’ve let you in on how we add more money to our payments each month without sacrificing money from other categories, and simple ways that we’ve saved each month. But I haven’t shared with you what was, by far, the biggest mistake I made… [Read More]
