It was January of 2014 when I decided I would jump into this blogging world, with both feet. There was no plan of action, pre-written posts, or even much computer knowledge. I didn’t feel qualified to blog but I did it anyway. I knew if I waited for the perfect time, it would never happen. As a stay…
Our in house investment guru is joining us with a little advice on investing and financial advisors! Take it away, Steve! Do you have a financial advisor? This was a question a colleague asked me yesterday. Bill, an administrative intern in my building, just accepted his first job as an administrator. With the new job…
Murphy’s Law tells us that anything that can go wrong, will go wrong. We’ve all been there, right? You go through a stretch of bad luck, where Murphy’s Law is in full effect, and you just want to kick something. Murphy’s Law Has Visited Our House Steve here. It started innocently enough with a blinker…
Steve here! I am a product of situational poverty. Being Poor Sucks! My father was a foreman for a large road construction company and my family lived a very comfortable lifestyle. At least that is what I was told. I was too young to remember those times. Unfortunately, my father died from cancer when I…
Oh my goodness! It’s been a busy week. The sun is shining and home maintenance is calling my name. My husband works a lot of hours and it seems we spend most Saturdays doing home maintenance and yard work. Once you start working in the yard, the jobs seem endless. I want to use my husband’s…
It was October, in the year 1999, and I had my first trimester of pregnancy under my belt. I had worked three part time jobs, while the hubby was in school, and now he was making the big bucks, as a teacher. I no longer HAD to work and put in my notice, at Costco,…
For many years we used a tax accountant to do our taxes. We would get our paperwork together, make an appointment, and meet up at the accountant’s office. I never enjoyed paying  $300 to have our taxes done and decided I could do it myself! After all, our taxes were pretty straightforward. Tax Preparation Before tackling this…
You’re running errands and lunchtime has crept up on you. Red Robin french fries are calling your name. There is plenty of food at home but you want something now. What does eating out cost you? Is it worth it? According to Statista, as of November 2013: Monetary Costs Of Eating Out If you are a family of…
It was a shock to our budget when my husband started working in public education and payday only came once a month. His once a month paycheck was automatically deposited into our account on the first of the month and we had to have our ducks in a row to make it through the entire month!…
Balancing the checkbook, you look ahead at the new month with great anticipation. Low and behold, you realize this month won’t be much better than the last. Hope begins to shrivel inside you and discouragement quickly takes its place. You stare debt down wishing it would just disappear. You live modestly, you don’t eat out, vacations…
You know the drill … your beautiful new french door refrigerator isn’t even a year old and the ice-maker breaks. Ugh! You didn’t purchase the extended warranty but it is covered for a year, by the manufacturer. Of course, the manufacturer is in no hurry, to fix it for free, so you get to exercise…
We were ready for a Fresh Start with Finances and the envelope system we’ve heard so much about, from Dave Ramsey, was calling our name. We needed something more than just plain envelopes though. Something colorful, exciting, new, and different! I opened the craft cupboard and there it was, Duck Tape left over from creating Duck…
Should I put all my money towards paying off debt before I invest or should I start putting away money now? This is an age old question that has been debated for years. Steve here. I am a bit of an investing geek so Bridget asked me to chime in on this. Before I give my…
Make your house seem bigger and your wallet fatter by simply getting rid of things you no longer use. After numerous garage sales and letting stuff go way too cheap, I discovered I could sell on eBay! eBay has been an excellent way to rid our house of excess stuff. Why not earn a little extra money from things you no…
Freebies from companies you love will save you money on things you will want or need in the future or even now! Before Christmas one year, I went to use our $5 Shop Your Way Rewards from Sears. I hadn’t done anything to earn the reward other than sign up. Dress socks were on the hubby’s Christmas…
When I started paying bills, as a young adult, I needed to find a system to keep me on track. I wanted a simple budget tool to use, without a fancy computer program. I ended up purchasing a 12 column ledger book and have used this style of budgeting ever since. One ledger book holds many years, which makes…
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