It can be disheartening and discouraging for a few reasons the first time you sit down to budget. First of all, in our case, we looked at the money and just said… where the hell has all of this money gone? How is it that we’ve made all this money for this period of time … Continue reading The emotions of budgeting
Dave Ramsey frequently refers to credit cards as the “financial cigarette”. I couldn’t agree more, and I don’t think even he realizes how poignant that comparison is. The more I look into this analogy, the more parallels I find between the two. As a former smoker (for 6 years) and a current (responsible and very … Continue reading Credit cards (financial cigarettes) cause Debt (financial cancer)
I recently had a conversation with a friend that not only upset me, but really got me thinking about the general attitude surrounding money today. A close friend of mine, who is a physical therapist, told me about a conversation he’d overheard at work. He overheard a co-worker telling her story of going to see … Continue reading Why being broke isn’t the same as being poor
I find myself asking that question every time I sit down to write a post. I asked myself that a thousand times before I ever sat down to write a post. It kept me from starting this blog for about 6 months before I finally realized I was asking the wrong question. I’m not anyone … Continue reading Who am I to Give Money Advice?
While that may cause some of you to recoil, I’d like to explain why, in my opinion, that’s the most empowering phrase in the English language. How different could your life be if you approached every situation you found yourself in with that assumption? Now I certainly don’t mean to extend that line of thought … Continue reading You are not a victim, and everything is your fault.
We sat down and for the first time really took stock of all of the debt we had racked up. I still can't forget how nervous and scared we were at the kitchen table that night. I also remember an overwhelming feeling of shame the first time we truly looked at all of our income … Continue reading Our Debt Snowball
After listening to Dave Ramsey's podcast a few times I was immediately hooked. I couldn't believe how much sense he was making and how uncomplicated the whole thing seemed to be. I took that incredible folksy wisdom and proceeded to promptly overcomplicate and ruin a plan that is so simple and straightforward it is Literally … Continue reading What a difference a budget makes…
By now I had resigned to charging Lady’s surgery to a credit card that I knew I couldn’t pay off. I scoured the internet endlessly looking for a way out of my situation. I was convinced that the problem wasn’t that we were over spending. We didn’t live lavishly.. and we both worked our asses … Continue reading You can’t out-earn stupid (my first attempt)
We have a small number of big picture goals that we have our eyes on for 2018. You can check out our monthly updates page to see the progress we've made toward each of our goals. These goals are listed in no particular order. 1. Achieve a positive net worth excluding our home equity 2. … Continue reading Our Initial 2018 Goals
My wife and I’s journey to getting our finances on track began in 2017. We got married in 2013 at 21 years old, but wandered aimlessly through our finances. We got our bills paid and charged the big stuff. My wife had student loans. We financed the remodel of our kitchen on a credit card. … Continue reading How my wife and I got started…