Are you ready to learn the good, bad and the ugly about using credit card balance transfers in your debt payoff? Is using a 0% APR Balance Transfer worth it? Let’s talk about what a balance transfer is and how some people leverage balance transfers in their debt payoff. Then we’ll look at what the catch […]
Planning a No-Spend Month
Just the other day, I was thinking that it’s high time we have another “no-spend” month. It’s been about ten months since we’ve had one. Our first one, which we didn’t plan or prepare for, went really well and was a great way to begin getting serious about paying off all this law school debt. […]
How to get Cloth Diapers Free or Cheap– 10 Money-Saving Strategies
What’s holding you back from using cloth diapers? If it’s money, then let me show you some ways that you can get cloth diapers without spending a fortune. In fact, I got all of my diapers very cheap and even free! When we started cloth diapering with our third child, I spent $100 to get […]
How Do You Banish Budget-Breaking Binge Behavior?
Reading through the comments on last week’s debt discussion reminded me of some children’s discipline challenges I’ve thought about recently. Here are a couple short scenarios to give you an idea of what I’m talking about. #1 In hopes of motivating our three restless little ones to sit still (or at least with with […]
The Best Thing that Ever Happened to Our Budget– Switching from Mint to YNAB
I’m really excited to share with you how we have overcome some of the stumbling blocks of budgeting and why switching from Mint to YNAB has totally transformed our budgeting! Mint Since 2007 we have used Mint.com to track our spending and budget. We have all of our financial accounts connected to Mint (checking accounts, […]
Marketing For Your Etsy Shop– Earning on Etsy, Part 5
Welcome to the Part 5 of the Earning on Etsy Series! I am excited to share with you lots of tips for marketing your creations on Etsy and beyond. An Awesome Listing and Product Before you worry about any sort of advertising (paid or unpaid) there are several steps you can take to help your […]
Avoiding Fits and Starts in Debt Repayment
It’s Wednesday! It’s time to discuss debt, but I’m going to start out with a little confession. Then I would love to hear your experience and insight on debt! Confession Waking up early has never been a talent of mine. I would rather stay up late working on a project than wake up early […]
Evolution of a Budget
Before explaining our recent change in budgeting that I mentioned in our last income report, I want to give a short overview of our budgeting history and background. Later this month I will go into detail about the specifics of our budgeting system. Growing up, I don’t recall ever learning any concrete budgeting skills, though I was […]
Setting Prices in your Etsy Shop– Earning on Etsy Series, Part 4
We’ve discussed the Etsy basics, market research, and setting up your shop. You’re almost ready to start listing items to sell, but first we need to talk about pricing. We do want to make money, after all! Pricing can be tricky. Despite what anyone tells you, there is no perfect formula to calculate the prices […]
Exercising Our Debt Muscles
We’ve all heard the saying, “What doesn’t kill you makes you stronger.” I am a firm believer that challenges and difficulties in life, both those that we create for ourselves and those that are thrust upon us, can be turned to our good. We can learn and grow from our trials. Just as in […]
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