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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Why We Rarely Fight About Money

Marriage and money is a complex set of topics. Financial issues are frequently cited as one of the most common reasons for divorce. In a healthy marriage it’s not uncommon to have some disagreements. What’s important, however, is how you handle those disagreements and work through them as a couple. Kristin and I rarely fight about money. We mostly see eye-to-eye when it comes to our finances (even if I’m a bit more laser-focused on early retirement), and there are a few major reasons for that. The Initial Money Talk We had the money talk early. It was one of the first “real” conversations we had even before getting engaged. I knew a long time ago that I did not […]

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Is Traditional Full Time Employment Overrated?

This is the age of millennials pursuing financial independence and the digital nomad lifestyle (even if I am not). More than ever, the younger generation is bucking the trend of finding a company to work at for 45 years. What worked for our parents’ generation just doesn’t cut it anymore.  Is full time employment overrated? Traditional full-time positions seem to be viewed as less and less attractive. Full time employment has some undeniable drawbacks if you’re pursing a life of travel and leisure. However, for all their drawbacks, there are a few things that make these jobs a potentially lucrative option. They shouldn’t be overlooked, no matter what lifestyle you are trying to build. In Favor of Full Time The […]

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When a Dollar isn’t a Dollar: The Case for Cutting Costs

We’re on Twitter! I’m just getting the Twitter account set up now, and admittedly I have never used Twitter before. Like…ever. I’d appreciate a Follow, and any tips or tricks would be great! Also if we could avoid telling my dad that I am finally ‘tweeting’ that’d be great. He prides himself on being the only one in the family who does! What if I were to tell you that a dollar isn’t really a dollar? You’d certainly look at me like I was crazy, right? Of course you would. But it turns out that most of the time when we think about spending or earning a dollar, it really ISN’T a dollar at all. At least, they aren’t the […]

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