We’ve all heard that money can’t buy happiness, but do we believe it? It’s easy to imagine how money could solve our problems, especially when we’re talking about debt, but is money a requirement for happiness? Can we be happy on any income? My belief is that we really can be happy no matter what […]
Living on Last Month’s Income
One of the major changes we made to our budgeting strategy after learning the YNAB method was “living on last month’s income.” And boy has it been a game-changer! What is living on last month’s income? In traditional budgeting methods, people assign amounts to spending categories according to the money they expect to earn that […]
Republic Wireless Experiment and Review– Finding the Most Frugal Phone
As I was writing about my experience losing my cell phone and looking for comparable rates for replacing it, I got thinking more about the options. In order to share the two best candidates I found, I went through the same research I had done months ago. The more I learned about Republic Wireless, the […]
How to Get Started Paying Off Debt
I often get emails from people who are finally ready to face their debt but don’t know where to start. Here’s a quick one I received from a reader recently. I really need your help and advice. We are in debt and it seems to be growing. We are struggling to make it every […]
How Menu Planning Saves Money
One Friday not long ago I glanced at the clock and saw that, once again, dinner was half an hour away and I had no idea what to make. A search of the cupboards and refrigerator was uninspiring. Every idea I thought of would require more prep work that I had time to do or […]
My Favorite Cash Back Sites and Apps
I mentioned to my brother that I would be posting about cash back sites and apps today. He’s generally pretty savvy, so I was surprised that he didn’t know about any of these cash back programs. If you didn’t know you could get cash back on nearly every online purchase and some in-store purchases too, don’t […]
Public Service Loan Forgiveness– Risks and Considerations
If you have student loans and have considered working in the public sector, you’ve probably heard about Public Service Loan Forgiveness (PSLF). When you see your loan totals upon graduation, loan forgiveness may sound like a wonderful prospect. It may even sound to good to be true. Take a good look at these risks and considerations […]
My #1 Garage Sale Pet Peeve– Don’t Make This Mistake!
I love yard sales, garage sales, rummage sales and estate sales. I enjoy the thrill of the hunt. I don’t mind digging through random things to find unique treasures and deals. I love saving money by buying second-hand. Sometimes I even make money by finding great deals and reselling the items. I’ve been to loads of […]
Our Favorite Free Family Activities
Our entertainment budget is pretty minimal since we’re working hard on our big, fat goal to pay off our law school loans asap. Just because we don’t spend much on entertainment doesn’t mean we’re not having fun! Fun definitely isn’t measured by the money you spend. In fact, free family activities may even be more fun because […]
Reader Question: How do I tell my spouse about my credit card debt?
I recently heard from a reader asking for advice on how to tell her husband about her debt. While we’ve talked about whether debt in marriage is considered yours, mine, or ours, we haven’t discussed the dynamics of divulging your debt to a spouse. I will be the first to admit that I have no experience in […]
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