My husband has the gift of facial hair. He’s the kind who has a five o’clock shadow that some men can’t even grow after a week. There’s no need to be jealous though, it’s more of a curse. While laziness might lead him to let it grow, he shaves everyday (except Saturday) to maintain his […]
What are You Willing to Give Up to Get Out of Debt?
In our last Debt Discussion, we talked about Deciding on a Debt-Free Date. Now that you’ve nailed down a specific date or time-frame that you’d like to have everything paid off, let’s look a little closer at the “how” of reaching your goal. Assuming you aren’t still adding to your debt, paying it off is […]
How we paid off $36,000 of Debt in 2013
At the end of 2013, we reached an exciting milestone in our debt repayment adventure. We are now less than Six Figures Under. We have less than $100k of debt! We have paid off $40,000 of debt so far and $36,000 of it was in 2013. Those who are regulars around here have a good […]
December 2013– Debt Repayment Progress Report
Debt Repayment In December we put $852 toward debt. Definitely not stellar, but it’s just barely enough to drop us to less than Six Figures Under. Having debt of less than $100,000 is worth celebrating. Income Regular: $3,175 (after taxes) Etsy: $300— A little better than last month, but well-below average. All of the month’s orders came […]
We’re Not Six Figures Under Anymore!
Happy New Year! To celebrate the new year, I am excited to announce that… We’re not six figures under anymore! You’ll have to wait a few days for our official monthly debt repayment progress report for December with all the details of our earning and spending, but I thought the milestone of getting our student […]
Deciding on a Debt-Free Date
If you are currently working on paying off debt, have you set a “debt-free date” yet? I’m not talking about going out with your spouse without using a credit card. I’m talking about a date on the calendar when you plan to be completely out of debt. If you haven’t set a goal for when […]
6 Reasons to Get Kids Clothes Secondhand
More often than not, the clothes we buy for our kids are secondhand clothes. As long as they are in good condition, they fit well, and we think they are cute, we have no problem with used clothes. You can call them “pre-owned” or “pre-worn” if it makes you feel better. Here are six of […]
Is Santa Shooting You in the Foot?
Oh you better watch out… and I’m not talking about being naughty or nice. I’m talking about raising kids. Is Santa helping or hindering your parenting goals? Is Santa over-stepping his bounds? Is Santa shooting you in the foot? Ever since having kids I have wondered how to work the whole Santa thing. Here are […]
Dealing With Discouragement: A Debt Discussion
Dealing with debt is often a long road filled with ups and downs. Reaching a milestone, sticking to your budget, resisting temptation, or earning some extra income are all reasons to smile and celebrate. We also all have times when we feel discouraged and wonder if we will ever get out of our current situation. […]
Why We Decided Against a “Baby Emergency Fund” (and what we have instead)
If you’ve done any reading in personal finance, the idea of an emergency fund isn’t new to you. Having money set aside for a rainy day is not a new concept. Ever since we were first married and started budgeting, we had had an emergency fund. When an “emergency” came up, in most cases, […]
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