Financial Fridays: Financial Cleansing and Updating

Financial cleansing has a lot of similarities to health cleanses

Note: Those links in here? I may make a little bit of money if you sign up using them. That money helps me keep the site running. For more information, please read my disclaimer. Welcome to Financial Fridays #5! Over the next 2 weeks – every Friday from now until the end of 2017 – I’m going to share posts that will help you paint a picture of your financial life today and set you up for a prosperous 2018. We’ll touch on topics ranging from income and expenses to net worth, debt, career advice, and setting goals. These are some of the steps Kristin and I have taken to help set ourselves up to be able to afford our […]

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Ditch Budgeting and Conduct a Spending Review Instead

Receipts are helpful for a spending review if you use cash

Ah the B word. Let’s be real for a second – almost nobody actually loves to budget. If they do, they’re some sort of freak. Budgeting can be time-consuming (though it only takes an hour or so a month) and it can be mentally exhausting. If you’re not already on a good track, budgeting can be life-changing. Telling your dollars where to go is extremely important. After you’ve got the hang of things, though, budgeting becomes somewhat less important. That’s why Kristin and I don’t really, truly budget. Don’t Sweat the Small Stuff Instead of actually sitting down each month and breaking out all of our expenses – something I’d expect to do in a traditional budgeting exercise – we […]

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Wedding Day Loans Suck

Wedding day loans shouldn't be needed for sweet shoes or a dress.

Some of the things people do to have their dream wedding amazes me. Wedding costs are through the roof, and many people want to impress others. It’s no surprise to learn that wedding day loans are becoming more and more popular as showing off on social media becomes commonplace. The average wedding price in 2016 crept past $35k according to TheKnot. With median household income at just $56k, the numbers here just don’t add up. How are people paying for them? The Sponsor Opportunity I got a glimpse of that last week when someone emailed me asking if I wanted to do a sponsored post. For those unfamiliar with the term, a sponsored post is a post on a blog […]

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What’s Going On in the Blogosphere: Episode 22

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. Minafi: Why I’m Going for FIO – Financial Independence with Options Adam again is on a roll and points out some of the flaws with just using the 4% rule. Things change, people change, […]

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Financial Fridays: Make Your Plan to Destroy Debt

Step 1 to destroy debt is to make a plan

Note: Those links in here? I may make a little bit of money if you sign up using them. That money helps me keep the site running. For more information, please read my disclaimer. Welcome to Financial Fridays #4! Over the next 3 weeks – every Friday from now until the end of 2017 – I’m going to share posts that will help you paint a picture of your financial life today and set you up for a prosperous 2018. We’ll touch on topics ranging from income and expenses to net worth, debt, career advice, and setting goals. These are some of the steps Kristin and I have taken to help set ourselves up to be able to afford our […]

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Why I Don’t Regret Not Saving More for Retirement in My 20’s

Bars are where much of my money went

*Gasp* A personal finance blogger who doesn’t wish he’d saved more money in his 20’s?!? Yep, that’s me. And it’s not because I already saved a ton. Admittedly I didn’t – my savings rate through my 20’s was a paltry ~15% or so, give or take a few percentage points. Better than some, to be sure, but definitely nothing to write home about. Especially in the world of some personal finance bloggers who regularly save 70% or more of their income, 15% is laughable. For as much as I didn’t save for the long term, though, I did do a few things right. And I don’t regret putting retirement a bit on the back-burner. I Paid Off My Debts My […]

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What It’s Like As a One Car Family With a 26-Mile Work Commute

A 27 mile commute as a one car family is rough

You know, I love our house. It’s awesome, has great finishes, is exactly what Kristin and I wanted. There is plenty of room for visitors – and we just close the rooms off and shut the vents to keep utility costs on the space down. Our neighborhood is pretty awesome, too. It’s quiet, but we’ve got good friends who live close by. For all of the awesomeness, however, there’s one major drawback. I currently commute 26 miles to and from work each day. Yeah you read that right – 26 miles. The distance itself wouldn’t be so bad if it were just me, but Kristin and I share a car. (actually, it WOULD be that bad, but it’s even more […]

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What’s Going On in the Blogosphere: Episode 21

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

Oh boy, we’ve got a doozy for you this week! Last week, since it was Thanksgiving, I decided to skip the Blogosphere Update post. This week though we’re back, with a few picks from this week and a few from last. Hope everyone in the US got their fill of turkey and stuffing. I know I certainly did – it’s a good thing I kept my fat pants. 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 […]

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Financial Fridays: Master your Credit Report and Score

Do you know what cards are on your credit report?

Note: Those links in here? I may make a little bit of money if you sign up using them. That money helps me keep the site running. For more information, please read my disclaimer. Welcome to Financial Fridays #3! Over the next 5 weeks – every Friday from now until the end of 2017 – I’m going to share posts that will help you paint a picture of your financial life today and set you up for a prosperous 2018. We’ll touch on topics ranging from income and expenses to net worth, debt, career advice, and setting goals. These are some of the steps Kristin and I have taken to help set ourselves up to be able to afford our […]

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