I really believe that frugality is a learned behavior. It’s something that’s either taught at a young age by frugal parents and then handed down generation to generation. Or, people have made the conscious to become frugal either through circumstances that changed (such a job loss) or the desire to get out of debt and build savings.Read More
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
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 importantRead More
It's really easy to stand up and say "I want to get out of debt." And I could list 101 reasons why any person would want to get out of debt. But really and truly, until you have your own reasons and your own source of motivation, it's null.Read More
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
Today we are going to talk about developing a plan to pay down your debt. There are so many plans and so much advice out there on paying down your debt. So I am just going to share what worked for us.Read More
Let's be 100 percent truthful here. The word budget doesn't exactly conjure up warm and sunny thoughts. It sounds boring. There, I said it. It just sounds boring.
I think the idea of living on a restrictive budget that is going to limit fun just makes people NOT do it. But actually a budget is freeing.Read More