How This Couple Paid Off $55,000 Worth of Debt in Less Than 2 Years

How This Couple Paid Off $55,000 Worth of Debt in Less Than 2 Years

Today we have a fun Q&A by my friend, Amy. A couple of weeks ago, Amy posted that she and her husband had paid off $55,000 worth of loans and were officially debt free! (I can’t help but smile when writing that sentence). I was so impressed, excited, and intrigued by how she did it that I asked if she would like to share her […]

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How to Create an Emergency Fund

How to Create an Emergency Fund

An emergency fund is a very essential part of your financial well-being. It acts as an air-bag would for a car. If you have some kind of unexpected crash in your expenses you can deploy your emergency fund to keep your finances alive! So, how do you actually start and keep an emergency fund in practical terms? This post will give you a step by […]

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What Are You Worth? Determine Your Personal Owner’s Equity

What Are You Worth? Determine Your Personal Owner’s Equity

Ever wondered what you are worth in financial terms? It’s called owner’s equity and this post will give you the tools to find out what your personal owner’s equity is. What is Owner’s Equity? The official definition is as follows: Owner’s Equity is the total assets of an entity minus its total liabilities. In layman’s terms, it is the difference between everything you own that […]

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How I Could Afford My House on Less Than $48k Salary

How I Could Afford My House on Less Than $48k Salary

This day and age $48k salary doesn’t seem to make the cut. Banks will tell you that you can afford a massive mortgage but that just isn’t true. When you get a mortgage worth $200k and you make the same amount as I do you are destining yourself to be “house poor”. You can’t really do anything else except pay for this house. That is […]

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My Actual December Budget

My Actual December Budget

In the beginning of December, I shared with you my budget for that month as it was modified to accommodate travel and the holidays. I wanted to share with you how my actual December budget turned out and why it’s important to have wiggle room for unexpected purchases. As you can see from the screen shot, I didn’t stick to my budget very well. Although […]

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Seriously, Mint is the Best Financial Tool I’ve Ever Used

Seriously, Mint is the Best Financial Tool I’ve Ever Used

When I was relatively new to budgeting I stumbled upon this website that claimed to make managing a budget much easier.  I didn’t put much thought into signing up, but figured I would go ahead and try it out anyway. So, I logged into Mint and started exploring what the site could do.  That was over 5 years ago and I haven’t gone a month […]

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My December Budget

My December Budget

Hi all! This coming month is going to be unique in terms of my budget, especially my expenses. Between two weddings, birthdays, and Christmas of course, I will be buying a lot of gifts. In addition, Jake and I are traveling to Las Vegas for one of the weddings and are making a vacation out of it! To be honest, I usually feel pretty anxious […]

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How to Build a Budget 103

How to Build a Budget 103

In this third installment of the “How to Build a Budget” series we are going to explore how to fine tune your budget in order to make it both easier to adjust and more useful. If you are reading this post and wondering what the other two posts were about you can view those by following these links: How to Build a Budget 101 and […]

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How to Build a Budget 102

How to Build a Budget 102

If you have followed my previous post: How to Build a Budget 101, then congratulations! You are already more well off than 2/3 of Americans! It’s great to have a balanced budget but there is still some further tweaking needed to give it even more value and usefulness. The new task is to weight your categories which will help you distribute your income more evenly […]

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Personal Finance Tips That Have Stuck With Me

Personal Finance Tips That Have Stuck With Me

Throughout the years, I’ve gotten a lot of financial advice from different people. While much of it was helpful, here are a few tips that stayed with me. Sleep on It With small and large purchases alike, I typically don’t buy the product that I’m interested in that day. Instead, I’ll wait a day or two, and if I’m still thinking about that specific item, […]

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