It is already the middle of January! What day, you ask? I don’t even know……the last few days have been a blur of bundling kids up, drying coats and boots, making hot chocolate and then waking up and doing it all over again. We have had fifteen inches of snow […]
Category: Budget
Dave’s 7 Baby Steps to Financial Freedom
Need a quick cheat sheet for Dave Ramsey’s 7 Baby Steps? STEP 1: Save a $1000 emergency fund. Money in the bank so you can take care of emergencies without derailing your debt pay off. STEP 2: Pay off debt using the “Debt Snowball”. Pay off the smallest debt first […]
Date Night on a Budget
Last week we went on a date. I was determined to get a little time away to do some talking about 2019 and our hopes, goals, and dreams for the future. I feel that I get adequate time away from the kids, but it is more of tag in/tag out […]
New Year, New Budget
The New Year is coming! So many people have an idea of how they want to overhaul their life in the New Year. Some want to lose weight, be healthier, start a new business, or get a handle on their finances. Let me tell you, I have been in EVERY […]
Debt Free, Attacking our Mortgage, Building Wealth: Our Story
About six years ago, a family member and friend mentioned to me that she (thank you, Stacy!) was using the Dave Ramsey envelope system and it was really helping with their money situation. I was intrigued. A few months before this conversation, my husband had just taken a new job. […]
Tips to Cut Back Gifts & Give Love
Here are some tips/ideas for cutting back at Christmas. 1. Budget- Schmudget. This trips me up every year. I think I need to spend THIS AMOUNT on each child. Then because I need to spend more money, I waste it on junk that only clutters my house and drains my […]
Christmas Cut Back
This was published on my other little blog, where I wrote letters to my children. You can find the blog here, but in order to not self plagiarize, I am, well, citing myself. Self-plagiarism is a thing, look it up. This was one of my most popular blogs over there […]