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Married with Money Posts

 3 Perfect Ways to Handle a Windfall

Cha-ching! Out of nowhere you suddenly have money that you weren’t counting on. Whether it’s an inheritance, your tax return, winning the lottery, or getting a bonus at work, handling a windfall responsibly is important to make sure you don’t squander your dough on something useless. How many stories have you read of lottery winners who win large sums of…

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Zero Based Budget

I’ve played around with a bunch of different budgeting methods in my time, but I keep coming back to the concept of Zero-Based Budgeting, or ZBB, as the most fundamental of them all. On the surface, ZBB is incredibly easy. Incoming – Outgoing = 0. Every dollar you bring in has a specific home, whether it’s being spent on rent…

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Use the “Snowball” Method to Destroy Your Debts and Jump Start Your Investments

If you’ve read Dave Ramsey’s book Total Money Makeover you’re familiar with the snowball method for paying off debt. For those who aren’t, here’s a quick primer: List out all of your debts Order them by amount of debt, the lowest amount first Throw everything you can at paying off that debt, and pay the minimum on everything else Once you knock that…

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Avocado Toast Isn’t Ruining Anything

$19 avocado toast isn’t stopping millennials from buying homes, no matter what some millionaire in Australia may think. Sure, flippant spending is a surefire way to ruin your finances, but many who indulge in the occasional brunch do so consciously, knowing what they’re doing. If you truly believe that avocado toast and coffee are ruining your finances, here’s the truth:…

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Emergency Funds: How Much is “Too Much”?

If you have an emergency fund of just $500, congrats; you’re better-off than about half of the population (is anybody else freaked out by this?). But having too much cash on hand to help with life’s curveballs can also hinder you from making the kind of progress you’d like to see over the longer term. Starting Off In Total Money…

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3 Lessons From Watching “Blank Check”

Kristin and I just watched the 90’s Disney flick Blank Check last night. It was as amazing as when I was a kid; if you haven’t watched it, you should. For those who need a quick recap, here’s the general synopsis: Preston, a 10-year old living in a middle class family, feels like his two older brothers are stealing the spot-light from…

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3 Expenses You’re Forgetting to Budget For, and How To Fix It

Making a budget can be super simple or super complex, but no matter what your preferred method is, you’re bound to need some refinements as you go along. That’s the entire point of going through the exercise of creating a budget, anyway, right? Set up some goals, track what’s coming in and going out, and try to maximize the in while…

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Use The Buddy System to Keep You Financially Accountable

We all know about the buddy system. Most people get acquainted with the buddy system when they’re young and in school. On field trips or at a summer camp is a common time for this to be introduced to kids – find your buddy, and make sure everything you do, you keep your buddy accountable, and she keeps you accountable. The…

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