Do I Have A Spending Problem or an Income Problem?

People often feel like they don’t have enough money… like the solution to their financial problems is making more money… an “income problem,” if you will. While it’s possible that you do have an income problem, it’s also very possible that you have a spending problem or an expenses problem. So how can you tell which it is?  If […]

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Budgeting When You’re In Survival Mode

Ahhh!! This was an amazing resource for helping us start our first budget. This lady makes it so simple to start budgeting for beginners, break the paycheck to paycheck cycle, get out of debt, and get ahead financially. #budgeting #personalfinance #debtpayoff #getoutofdebt budgeting in survival mode

Budgeting and tracking your spending are helpful habits for anyone who wants to achieve financial goals, but budgeting when you’re in survival mode financially is a non-negotiable!! If you are exhausted by your financial mess, or not sure what the first right step is, this post is for you! You will learn exactly what to do, step […]

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Cash Flowing Christmas

If you didn't save up for Christmas AND don't want to spend money you don't have on a credit card, try cash flowing Christmas! Here's how!

Christmas is fast approaching, and I’m already hearing people joke about putting Christmas on their credit card. In the past, I’ve written about saving up little by little over the course of a year for Christmas spending. It’s too late for that, but it’s not too late to cash flow your Christmas spending. No credit cards […]

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Skip Spouse Gifts for a Year

Doing these 50 small things will save you $10,000 this year! One idea - skip gifts with your spouse for a whole year and save at least $500. Here are some alternatives to expensive gift-giving.

If you’re accustomed to exchanging extravagant gifts with your spouse, skipping gifts for a year may seem extreme. But, hey, when you really want to get out of debt, it has to be a little extreme. Plus, it’s just one year. I guarantee that in 5 or 10 or 20 years, you won’t care that you […]

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How to Stop Impulsive Spending

How to stop impulsive spending: The one thing I did to change my spending habits completely!

I recently read “The Power of Habit,” by Charles Duhigg. Besides being full of fascinating insight about the habits of our brains, our corporations, and our society, it also gave me some key realizations about what some of my personal habits are, and how to truly change some of them. I hadn’t thought much about it until […]

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Why It Doesn’t Work to Check Your Budget Once a Month

Checking your budget once a month simply won't work. Here's why and here's how to check your budget more often, without pulling your hair out. read more: http://wp.me/p6bl1n-16g

For a long time, Ben and I would sit down at the end of every month and look at our budget. We had categories in a spreadsheet with budgeted amounts assigned. Then, we’d try to play catch up on figuring out where all our money went that month. As we categorized all our transactions, we inevitably realized […]

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Budgeting 101 #5: How to Actually Stick to a Budget

This is the 5th post in an ongoing series called “Budgeting 101.” You can read the rest of the posts here. I wrote a post about making a budget, and I think it’s helpful if you’re new to budgeting. But especially around this time of year, I hear so many people say, “oh I’ve tried to make a […]

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Cutting Costs at Christmas

cutting costs at Christmas: brown paper packages tied up with string

I love this time of year. From right before Thanksgiving all the way through New Year’s. I love how simple Thanksgiving is, and I love Thanksgiving food dessert. Then, I love baking cookies and getting out the tree. I love the mostly quiet mornings and evenings by a dimly lit tree reading my advent devotional. I […]

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Have yourself a Merry Little Debt Free Christmas

A debt free Christmas can sound daunting: start saving now! Here are some ideas for having a debt free Christmas this year.

Perfectly thoughtful gifts for 15 people = $750 Homemade cookies for neighbors & coworkers = $50 a new nativity because my old one is so 2013 = $25 ugly sweaters for the whole family, because that’s a thing now = $50 Christmas cards = $200 Different cute dresses for all the holiday parties = $100 […]

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Gaining Momentum in Debt Payoff

gaining momentum towards financial goals

Our first month of intense debt pay off was January, 2015. It took us a few months after Ben was employed to play catch up – pay my parents back for a beater car we bought with borrowed money, get a mini $1000 emergency fund saved, etc… We sat down at a Starbucks, ironically with overpriced coffee in […]

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