Earlier this month, I found an awesome deal on shredded cheese. An 8 ounce bag was $.87, for a total price of $1.74 per pound! The catch was that the “sell by” date was just a few days away. Without a second thought, I loaded my cart with about 10 lbs of cheese. (And don’t worry, I […]
Why I don’t say “We can’t afford that.”
With a budget like ours, you might think that we would say that we can’t afford a lot of things. While we talk openly about our limited finances, you won’t hear me say that I can’t afford something. The phrase “I can’t afford” has always been an awkward one for me. I avoid saying “I […]
Saving Money On Food By Buying Ingredients and Cooking From Scratch
Every month when I share the ins and outs of our family’s finances, people are surprised at how little we spend on food for our family of five. Our goal is to always stay under $300, which we have done every month except January ($317). For the past 8 months (Jan-Aug 2014) the average amount […]
Let’s Talk About Interest
I was probably a teenager when I first heard J. Reuben Clark’s classic explanation of the power interest has on those in debt. I remember the uneasy feeling I had. I caught a glimpse of the bondage of debt. I wanted to do whatever I could to avoid having interest as my constant companion. “Interest never […]
Homemade Bagels Step-by-Step Tutorial
I have always been intimidated by the idea of making homemade bagels. Fresh-made bagels from a specialty shop are so delicious, that I figured I couldn’t even come close at home. I knew that their were several steps and some unique techniques, so I thought it was something that would be easier to see done […]
August 2014 Debt Repayment Progress Report
You may have noticed I’ve been a little off my normal schedule these past couple of weeks, so posts aren’t on their normal days. Thanks for your patience while I get my ducks back in a row! Debt Repayment This month we paid $1340 toward debt. This was smaller than we had hoped because our […]
3 Ways Our Budget Can Handle Unexpected Expenses.
Budgeting is a big deal when you’re working on taking care of big debt. Since we switched to YNAB (YouNeedABudget, for long) our budget has never been healthier. We’ve learned to effectively budget down to zero, to maximize our debt repayment and to live on last month’s income. A robust budget should be able to handle unexpected […]
Debt Fatigue: Getting Out of a Debt Payoff Funk
I received an email from a reader this week who after 3 months of intense debt payoff is facing some debt fatigue. She and her husband have made great progress and only have about 8 months to go, but are still struggling to stay positive. Here’s her question: After your first year when you paid so […]
My First Interview
I have a surprise for you today! Instead of my normal post, I want to share with you my very first interview. Instead of reading, you can listen! A couple of weeks ago, Ingrid Talpak contacted me and asked to interview me for her WebTalkRadio show Living With More Style than Cash. The idea was […]
On Insurance and Emergency Funds (and a bad day)
I thought I was the one with the bad news. My husband called me on while I was at the auto shop getting the screechy noise on the van checked out. He asked me about my morning and listened patiently as I explained that the van repairs would cost us close to $500. I asked […]
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