Once in a Lifetime Frugal Fun This Summer

This summer is an interesting one for us. We kicked off the beginning of summer by moving (something we really dislike). A few weeks later, we got married in California (something we really liked). Now, as we’re boring and staying in, we need to continue to save money for our house that’s under construction. We’ve been having to find relatively frugal things to do most of the time, and while it can be easy sometimes, at other times it’s extremely challenging. I’ve neglected seeing movies in theaters I otherwise would have. The thought of $50 on a movie night for tickets and dinner just isn’t something I can splurge on right now. There is, however, one thing I’m really looking […]

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What’s Going On in the Blogosphere: Episode 4

The personal finance blogosphere - the world of blogs - is vast

Each week I’m going to try to put together a list of 3-5 great blog posts I’ve read from other personal finance bloggers. These posts are a collection of things I find interesting and thought-provoking, and if you like the content I’m posting I’d encourage you to check out some of the posts in this list. There are many more posts I recommend throughout the week on Twitter – if you aren’t following me yet, please head over there and give me a Follow or follow me on Facebook.   Apathy Ends: Is My F.U. Fund Ruining My Work Ethic? This one is something most of us fiscally responsible folks still in the 9-5 can relate to at some point. I am constantly […]

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Focus on Savings Rate Percentage Over Specific Numbers

When you talk about saving money, there are typically two ways to approach it. The first is to look at how many dollars you’re able to save over a given time period – such as a year or each month. This is helpful sometimes because it gives hard numbers to things. Everybody understands what it means to save $100. Perhaps it’s easier or more difficult for some people to save a specific dollar amount – after all, you can’t really save more than you earn – but it’s to-the-point. A second way to look at the equation is to not focus as much on a specific dollar amount, but instead pay attention to what percentage of your income you’re able […]

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Why We Have (Some) Separate Bank Accounts

One of the questions people frequently ask newly weds is how they are handling their money. Do you have totally joined finances? Do you keep separate bank accounts? I definitely get this question more often than I’d anticipated. If I had to guess, this blog probably has sparked more questions than most people would get. Handling money as a couple is a very personal situation. What works for some might not work for everyone. Talking about money – and other important topics – before getting married is critical. Doing so will make sure that you are working together and not sabotaging each other’s goals. Our Money Goals The most important part of our decision-making process was to understand the goals […]

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Dual-Income Household? Live On One Income

We are currently enjoying life as DINKs. If you’re not familiar with the acronym, DINK stands for ‘Dual Income, No Kids‘. DINKs have a unique opportunity in the pursuit of financial independence, side hustles, and all sorts of other things. However, even if you’re not strictly a DINK, you can still benefit a lot from having a dual-income household living off one income. Supercharge Savings One of the biggest benefits to being a two-income household only living off one is that you can bank an entire income. Kristin and I are currently doing this. We live off the higher of our two incomes currently, but we’re still able to bank a ton of the money that’s coming in each month. […]

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What’s Going On in the Blogosphere: Episode 3

The personal finance blogosphere - the world of blogs - is vast

Each week I’m going to try to put together a list of 3-5 great blog posts I’ve read from other personal finance bloggers. These posts are a collection of things I find interesting and thought-provoking, and if you like the content I’m posting I’d encourage you to check out some of the posts in this list. There are many more posts I recommend throughout the week on Twitter – if you aren’t following me yet, please head over there and give me a Follow or follow me on Facebook. Picky Pinchers: Is Your Money Management Woke or Weak? Mrs. PP (embrace it) put together a short quiz to see how on-point your money management is. It’s not a perfect survey, but it’s a neat […]

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Why I Started A Blog

On Monday I talked about what my perfect day would look like if I could just run this blog full-time. I didn’t really talk about why I started a blog though. What’s the whole purpose of it? I’ve been blogging now for about 3 months. I try to post consistently three times a week, every single week, plus a new post on Saturday with my weekly roundups. I have only missed a couple posts, and I was on our minimoon so I’m cutting myself some slack. Blogging takes a LOT of work and dedication. My readership is small at the moment and growing it is difficult without being able to dedicate more time to marketing activities like I’d like to. […]

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Seven Things We’ve Done To Improve Our Finances in 2017

2017 has been a crazy year financially for us. I started out the year with being laid off. That in and of itself wouldn’t have been that big of a deal if it weren’t for the rest of our plans. We were set to be married four months later, and still needed to pay the remaining vendors. Depending on how long I was out of work, that could have been troublesome (even though we already had that money set aside). We are building a house, a process which started in late 2016. If I was out of work for an extended period of time, would we be able to afford the down payment? Would we even be able to secure financing? With […]

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A Day In The (Hopeful) Life: My Ideal Day

With the chaos, planning, and excitement of our wedding now (sadly) in the past, Kristin and I are now back in our routine. Wake up, get ready for work, go to work, come home from work, dinner, hang out, sleep. The days have been long and largely filled with work and related activities. Long, sometimes arduous days can take a toll on morale, especially after coming down from the emotional highs around planning and celebrating our wedding with our friends and family. I’ve done a lot of thinking about how I would structure my time if I ever was able to leave my day job. I’d undoubtedly do it in pursuit of full-time writing/blogging. Since I’ve made a whole $2.84 […]

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What’s Going On in the Blogosphere: Episode 2

The personal finance blogosphere - the world of blogs - is vast

Each week I’m going to try to put together a list of 3-5 great blog posts I’ve read from other personal finance bloggers. These posts are a collection of things I find interesting and thought-provoking, and if you like the content I’m posting I’d encourage you to check out some of the posts in this list. There are many more posts I recommend throughout the week on Twitter – if you aren’t following me yet, please head over there and give me a Follow! My  Money Wizard: 7 Things That Are Always True of Big Savers (according to Yahoo readers) Fellow Minnesota resident, The Money Wizard, was featured on a Yahoo Finance article a while back for having some serious cash saved up […]

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