Four small habits that can change your life

Four small habits that can change your life

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.

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What's the very first step in getting out of debt?

What's the very first step in getting out of debt?

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.

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Grocery store savings tips and tricks : How to save money at the supermarket

Grocery store savings tips and tricks : How to save money at the supermarket

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.


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8 things to do with your tax refund. 

8 things to do with your tax refund. 

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. 

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Financially preparing for a baby

Financially preparing for a baby

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. 

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How we decided to prioritize our debt pay off

How we decided to prioritize our debt pay off

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. 

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