With the things going on lately, we have realized our priorities do not fit with where we are financially. We have a robost retirement fund, our emergency fund is mostly drained and our investments aren’t fully what we had planned on. Also our savings is not where we want it to be either. Seeing Things…
You had a busy day at work, and you got home exhausted. You did not get to bed at a decent hour the night before. It’s time to cook dinner and you tell yourself I’m too exhausted to cook, let’s just get takeout. With a family of 4 that will cost you at least 50…
I have read my share of personal finance books that over promise that they are going to teach to be rich. “Just think rich and become rich”. Most books fail to tell you how to make it financially happen. Yes, you do need to change how you think about money. Also, there is no one…
Time is of the essence. With my work schedule I have been having trouble taking the time to do our finances. I frequently forget to pay the bills on the day I plan to, do not track our expenses like I should or even at all sometimes. I don’t know if these are mistakes, but…
I struggle with staying motivated. I get lots of ideas try them out for a few days and move on. It’s harder when you spend money on some and try to justify trying things where you want to try new things but know it will probably pass in a couple of days. I get very…
Mindset has a big impact on how I handle my finances and I see the same thing in my spouse. If we are doing well emotionally, are healthy and well rested we stick to our budget and financial goals. This is the optimum effect and the point of what we are doing. The Downfalls of…
Have you heard the age old saying “if you wait to have kids when you can afford them than you never will”? I’ve heard recently that it costs almost $300,000 to raise a kid from birth to 18. So, my question to you is what are the bare minimums you need to raise a child?…
We hope you have had a great holiday season and have made plans for the New Year. Start New This is the time for New Years Resolutions. Starting new routines and new adventures. Maybe you can draft a budget or look at the expenses you have to see what can be reduced. Maybe you spent…
two ways to budget wrong, one is if it causes problems in your relationship. When we first married, we agreed on spending limits and we tried to do it where we both tracked things…until it was realized we could not do our finances in unison.
Why do I like to overspend on buying my family gifts for Christmas? Growing up very lower middle class we did not have much but we always had presents under the tree. I love seeing the smile on my family’s face when they open the gifts on Christmas morning, especially the one on my spouse’s…
