Personal finance bloggers always give advice on what not to spend your money on. We’ve all heard of the latte factor right? How much money we can save by cutting out coffee, or takeout, or gadgets. When I read Ramit Sethi’s book I Will Teach You To Be Rich, one part really stuck with me:…
I mention frequently on this blog about making a budget, debt repayment and saving money, but what if you’re getting to the end of your money before the end of the month? That is a problem my friends. If you need to make ends meet then there are two simple ways to do it: spend…
Once you’ve decided to pay off your debt, you’ll have to come up with a game plan. You’ve probably heard of terms like debt snowball and debt avalanche before, not knowing what they are. These are the two best ways to pay off debt quickly and efficiently. I guess the third option would be just…
I can’t believe it’s been 6 months since we declared war on our debt. On October 1st 2017 we had $26,237.59 in student debt. It felt like such a burden that we would be paying forever. If we had been paying the minimum payment it would take us 11 years to pay this off! With…
With February already 2 weeks behind us, I thought I should reflect a bit on how our no spend month went, and share my tips for a successful no spend month. I thought the month would feel long and difficult but it wasn’t too bad. I definitely learned a lot about how to avoid my…
Who doesn’t love some windfall money?! It’s tax season! Not my favorite time of year since I’m self employed and I have to pay in, BUT if you’re expecting a return then you’ll need to decide what to do with that money. I know how tempting it is to spend that money on something fun….
We are over the halfway point of our no spend month! It’s been going pretty well. There actually haven’t been too many temptations except for a few times I’ve wanted to go out to eat. It is interesting to see when I’m tempted to spend money and on what. It’s been helpful to unsubscribe from…
It’s almost Valentine’s Day but we’re right in the middle of our No Spend Month! If you’re low on funds or in the middle of your own no spend month, I have some great ideas for you to have a date night without spending money! Make Your Own Cards We’ve done this before. I usually…
AKA Why You Still Need to Save and Invest When You Have Debt When you’re in debt a lot of people might advise you to throw ALL your money at the debt until it is gone. But what about saving, or investing? Should you ignore that while you pay off the debt? I don’t think…
