Are you going broke keeping up a weekend “life style?” Apparently millions of Americans are. Here is how to not be one of them.Read More
Sometimes the most life-changing things aren’t huge.
It’s not always about making huge decisions- most of the time, for me, the things that I have found that have changed my mind and outlook are things that very, very small.
So here are four things that have totally changed the way that I live.Read More
I remember the day (or night actually) I got fed up and decided it was time to get out of debt once and for all. I was heavily pregnant lying in bed reading a book and I felt Ryals kick.
Maybe it was exhaustion, maybe it was emotion, maybe it was hormones but I started weeping. I realized that if we continued in our current financial state we would always be in debt.Read More
The thing that I hear from a lot of readers is that you really want to get your grocery budgets under control but you don't know where to start. So today, I thought I would give you 5 tips that might help you.Read More
We all know to shop smart with a list, right? But grocery stores spend a lot of money figuring out the best ways to market to you and to make the grocery store as appealing of a place as possible so that you walk in and just throw your list over the shoulder and buy whatever looks pretty.
Hearing other people's debt free stories can be so inspiring. Listening to them share their journey can really give you a push in the right direction. However, sometimes those stories can be downright DISCOURAGING.Read More
Tax refunds are rolling in. With Americans getting on average more than $3,000 back this year. (Source.)
I personally am not a fan of big returns. I want to keep my money from my paycheck each month. Not give the government an interest-free loan. (Because they would charge YOU 4-7 % interest on a federal student loan!)
But if you are getting money back, why not be smart about where it goes.Read More
When I first found out I was pregnant with my oldest son I heard a lot of comments like "sleep while you can" or "it's going to go by so fast" or "be prepared to have no money."
And while it is true that babyhood goes by in the blink of an eye and that sleep is a commodity more precious than coffee or chocolate, the last one I have to disagree with.Read More
As you may already know my husband and I became debt free in February of 2014. And I get a LOT of questions on how we did it. A LOT of questions.
It's no secret that we are huge fans of Dave Ramsey. But I cannot totally say that we stuck to the baby steps 100 percent of the time. However, I just want to add the disclaimer, that I think he's right. I think his advice is spot on and he has helped millions of people. Listen to what he has to see and then apply it in a way that works in your real life.
In fact, we were in the middle of Financial Peace University when we paid off our debt. So I know his system works.Read More