Pick Your Budgeting “Thing”
Pick one thing in your budget that you “splurge” on within reason or you’ll go insane trying to stick to a budget. Here are some tips.
What is there to worry about when you have no debt and an emergency fund?
Let me tell you a little story. Once upon a time, there were two crazy kids desperately trying to pay off their student loans. They were on the home stretch – the end was in sight! Based on their careful budgeting, they were able to see that based on their income and spending habits, they …
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How I Paid Off My Student Loans Before My 25th Birthday
As a millennial, I fell into that period of time where it was expected that if you had any intentions of being at all successful in life, you must go to college. And lucky for me, my parents are not college grads nor had they saved any money for my college expenses. Society (and my …
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Defining “Necessity”
Let’s just take a moment here to define “necessity.” There are a lot of things that people spend money on that are far from necessary, and it might hurt a little to accept the fact that your hair highlights or seeing that new flick in the theater are, indeed, luxuries! If you are trying to …
Budgeting = freedom: How to create the perfect budget
Creating and living on a strict budget has been one of the most freeing things I’ve done in my life. I know that sounds a little counterintuitive – tracking every penny and limiting expenditures may seem like cruel and unusual punishment to many of you. But being able to accurately plan ahead financially has allowed …
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Down and Dirty About Debt
Here’s the thing about all debt other than a mortgage: our society leads us to believe that it is necessary and normal. That is simply untrue. It is possible to live debt-free, and it is as wonderful as it sounds. Being debt-free opens up endless possibilities for financial potential and growth. And let me reiterate …
Baby Steps for Baby Adults
Dave Ramsey is not a household name for no reason. He has helped thousands of people achieve debt-freedom with his hard and fast rules, or “baby steps” as he calls them, for achieving financial peace. While I can’t claim to follow all of his recommendations to a tee, my husband and I are on a …