So a down to the penny budget isn’t for you? Maybe like me you have learned that if you track every penny it just causes anxiety? No problem, there are lots of ways you can incorporate budgeting into your life without having to do have a full budget. Here are 4 ideas for you. Only […]
Well folks I’m going to do it again, April is going to be a shopping ban month. We have been doing well since the end of the shopping ban but I know we can do better and with the change of seasons comes the temptation to buy new outfits, new ‘toys’ for our homes (mowers, play […]
Mac and I decided we wanted to pay down our debit, we are lucky to only have 1 truck loan and 1 student loan and are focusing on the truck loan 1st) We also knew however for our personal success it couldn’t be in the stop spending every dime and put everything towards debit method. I have […]
I’ve talked a lot about my family wanting to spend money on experiences over stuff. That being said, and in direct contradiction, a big love language in my family is giving and receiving gifts. Taking all of that into consideration I’m very happy with my girls Christmas gifts this year. We modified the Want, Need, Wear, Read plan to […]
In recent weeks my desire for a simple life has snowballed. I think this is mostly due to the fact that I can finally explain my goals and motivation for simplifying. Well at least to my husband, I’ll be honest its long winded and multi faceted. It involves the physical purging of stuff, simplifying our […]
I’m reading a book right now “Your Money or your Life” by Vicki Robin and Joe Dominguez. I’m not even to the ‘advice’ part yet so I’m not sure if I’m recommending it but at the moment we are reviewing America’s general perspective on money and I was struck by their definition of enough in […]
I want to show you something crazy, this is my phones home screen: After listening to this Chalene Show Podcast this morning I decided to change up my home screen. I MOVED most of my apps to another page. I didn’t delete them, I simply moved them. My home screen is now clutter free, it […]
Its tax season and this year we had no idea how to do our withholdings so we just kept them the same. With baby #2 arriving in September this of course caused an overpayment and we got a refund. We were able to make our first extra payment towards the student loan debit and it […]
I had a choice to make yesterday, a new bag or a new Road ID. Instead of gifts this year, Mac and I waited for out taxes to come in and then made a deposit into our fun money accounts to do whatever we wanted with. It is a fair amount of money once you […]
After a lot of talking, budgeting and dreams of the future, Mac and I have decided that our future should not include our current debit (mortgage not included.) We are blessed to not have any credit card debit, however we do still have a student loan and a car payment. We have decided our future […]