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?
Warning: Money Nerd Stuff Ahead! As you'll see below in our projected budget spreadsheet for the month of March, it's going to be a big month. It will likely be our biggest month of 2018 and it's coming early. If you'd like a more detailed breakdown of our approach to budgeting please check out our … Continue reading March 2018 Investing Plan
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.
My wife and I sit down monthly to discuss what our projected income will be, what our expenses look like for the month, and what we would like to do with the money that’s leftover… now that we actually have some. Budgeting has been the backbone of our financial life together. It’s a board meeting … Continue reading March 2018 Budget and Income Projections
To get it out of the way at the start, if this were simply a math problem, there would be no debate. It will almost always (like 99.99% of the time) make more Mathematical sense to invest the money than to pay off your mortgage early. When you pay off your mortgage it is an … Continue reading Should I Pay Off The Mortgage or Invest?
What is M1 finance? To give a brief overview of M1 for those who are familiar with many investing platforms M1 finance would be somewhat of a hybrid between Betterment and Robinhood. Unfortunately I feel that it takes a few qualities from each of those platforms without giving you the utility of either one. When … Continue reading M1 Finance – An Honest User Review
March 2018 is a 3 paycheck month for those of us on a bi-weekly pay schedule. This is a great opportunity to jump start your financial goals, or even take advantage in a way you'd never thought of! I'll show you 7 great ideas to make sure that 3rd paycheck isn't wasted. These are in … Continue reading 7 Smart Ways to Take Advantage of a 3 Paycheck Month
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…
I will be detailing our monthly budgets (putting all our cards on the table so you can follow along, even when we screw up) every single month. The spreadsheets I will post with show our estimates from the beginning of the month compared to what we actually ended up spending. This month the "entertainment" budget … Continue reading Our February 2018 Budget