How to stop impulse spending. Four questions to ask before making a purchase

How to stop impulse spending. Four questions to ask before making a purchase

Have you ever found yourself in Target with a cart full of throw pillows and cardigan sweaters? Nope, me neither... 

Sometimes our emotions and impulses get the better of us when making purchases. That's why it's important to ask yourself a few questions first. 

You see, in order for us to get out of debt, it took some behavior changes. I had to really become intentional in my spending. That was difficult for me. If that's not something you struggle with, great. But for many, it is. 

So I have four questions I ask myself before I make a purchase.

Read More

3 reasons to have regular budget meetings

3 reasons to have regular budget meetings

Have you ever been canoeing with someone? Woah, is that a make it or break it relationship!? If you’re not paddling in sync with your partner it’s hard to get anywhere. And if only one of you is paddling it makes the journey that much harder. 

Trying to budget in a marriage is a lot like paddling a canoe. If you’re not rowing in the same direction you won’t get where you want to go. 

But why are regular budget meetings so important

Read More

6 ways we lowered our bills and you can too

6 ways we lowered our bills and you can too

Bills are a part of life. You know they are coming. You know you have to pay them, but it doesn't make it any less pleasant. 

Bills are a huge chunk of your monthly budget, but you have more control over them than you might think. 

Today I wanted to share with you how our family has been able to lower some of our bills and add more margin to our budget and decrease our spending by $1,500 a year. 

Read More

Facing your debt: Determining who you owe money

Facing your debt: Determining who you owe money

It's sort of an embarrassing thing to admit that you don't know who you owe money to. But I once fell so far down the rabbit hole I didn't know who I owed money to. 

Trust me, that was a hard sentence to type. It was an even harder reality to live. 

If you're there now I want you to take a deep breath. You can fix this. It's not too late. Once you realize the mess you're in, it's important to take the steps to clean up that mess. 

Read More