How My Wife and I Communicate About Finances

How do you and your significant other stay on the same page with your finances? How often do you talk about finances? There’s no right or wrong answers unless they are “we don’t,” and “never.” My wife and I recently revamped our financial handling plan, and committed to tackling our finances together. I wrote a post about it a few months ago, however we’ve honed our skills since then and have added some new aspects to our discussions such that I thought it warranted a new post. Paying Bills Our budget cycle is bimonthly since my wife and I are […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 8/28/20

In Monday’s post, I declared my wife and I were on a spending freeze. We have an activity this weekend, and we wanted all the discretionary funds in our checking account available.  Therefore, the goal was to not spend any money during this week. I promised I would provide an update in today’s post, so let’s see how we did. Did we touch our checking account?  Nope, no money was spent from our checking account. That means we didn’t spend any money, right?  Not exactly….let me clarify. The goal that started as a complete spending freeze, was redefined as a […] Read more »

We’re on a Spending Freeze!

I’m about to do something I’ve never done before. In fact, I’ve often wondered about the reasoning behind why people do these. I’m about to find out for myself, as I’ve declared this week a no spend week. I’ve read about people who have gone long periods of time without spending any money except for necessities, but for my purposes the period will last about 6 days. Why Am I Doing A No Spend Week? We have an activity this weekend, and we need to make sure we have the funds for it. Our budget cycle is on a bimonthly […] Read more »

4 Basic Things You Should Know About Car Insurance

Experts often tell you that getting car insurance is vital if you are a car owner. Where car insurance is no doubt as important as getting life insurance, there are some things that you need to know to make sure that you don’t entangle yourself into a mess. If you don’t know the basics of car insurance and how it works, it is going to become very hard for you to get a favorable term for your insurance. So, in this article, I am going to highlight four basic things that you must know before you go out to buy […] Read more »

How to Get a Loan for Ill and Disabled People

Getting a loan is a necessity in today’s modern world. Unlike in some countries, people have to work hard to get a living. Low income, other loans in the family, or instable income are some of the reasons why people choose loans as a financial option to cover their extra expenses. Expenses, as always, are hard to estimate and new appear on a daily basis. This is why people are looking for other financial options when it’s not possible to only rely on salary income. People who are ill or with disabilities also have their needs. For them, it might […] Read more »

Things To Know Before Getting A Mortgage Loan

Whenever people consider buying a home or any kind of property, they usually turn their attention to lenders. Why? Because the amount to buy a certain property is huge and we most likely don’t have the amount to pay it off at the given moment. Paying off a mortgage is not a small deal, you need to have a plan on how to keep up with the payments. There are plenty of things to consider while paying that type of loan off, but there are a few things to consider before even applying for one. We wanted to shift our […] Read more »

How to Effectively Manage Your Debt

The first step towards reaching your goal of a debt-free life is finding the best ways for you to effectively manage and pay off your debt. Let’s face it, reaching your goals won’t happen overnight, but if you take the right steps and stick to a good budget, you can accomplish a lot more that you’ve thought was possible.  In this article, you’ll read more about different strategies that can help you to stay on top of your debt. Tackle Your Student Loans According to the latest statics, there are over 45 million borrowers and a collective student debt loan […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 8/21/20

My wife and I are officially empty nesters. It doesn’t seem like that should be possible, but yesterday we moved our daughter to college.  Both our kids are at college leaving us with only a cat at home with us.  I’m sad that our kids are no longer at home, but excited for what comes next for both our kid and my wife and I. One thing I do know is we’ll have to re-evaluate our budget once we see how one less person in the house affects utility and grocery bills. Fist pump for maybe lowering some budget expenditures […] Read more »

Ways for Newly Independent Young Adults to Save Money

  Living on one’s own for the first time can be equal parts exciting and scary. After growing accustomed to having your parents provide food, shelter and transportation free of charge, living independently can represent a huge adjustment. Fortunately, you’re not alone. Although some young adults are more eager to get out from under their parents’ roofs than others, everyone experiences some degree of financial anxiety when living alone for the first time. Additionally, with cost of living on a constant upswing, living within one’s means can be an uphill battle. Newly independent young adults on the hunt for practical […] Read more »

3 Habits That Will Get Rid of Credit Card Debt

  Whenever your credit card bill is due, you look at your balance and your stomach drops. The number is so high. You wonder how you’ll ever pay it down, or if you’re going to slip up and max it out when you’re shopping. It’s possible to get rid of your credit card debt. These are three habits that will help you make it happen. 1. Be Strategic with Your Credit Use Using your credit card for every type of expense is not a good idea. Credit is fine for online shopping purchases and monthly bills, but you shouldn’t put […] Read more »

4 Costco Kirkland Brand Products I Love

I love shopping at Costco (this wasn’t always the case). They have a reputation of selling bulk items at a great price. If you look closely, it’s not just brand name items. Shoppers can find even better deals buying Costco Kirkland store brand items. Some consumers are rightfully wary of the quality of store brand items, however many Kirkland brand products are both high quality and low price. Below is a list of four Kirkland products I’m loving right now: Kirkland Frozen Pepperoni Pizzas: Sold in a four pack, you have to see the amount of pepperoni on each pizza […] Read more »

When is being a spectator a good idea?

Newcomers to Forex have boiling blood and they cannot wait to deposit money. As soon as people begin to get a wind what is waiting for them in return if the decisions can be taken right, waiting becomes a luxury. Despite terrible perils, investors are eager to throw away capital even when not having any idea. They simply gauge the prices are going up and down due to market volatilities and there are no correlations. It is random and it moves this way due to its own free will. Well, currency trading is not a human being who possesses their […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 8/14/20

Earlier this year I began a quest to improve my steak grilling abilities. My goal was to learn how to make steaks so well, that my wife would never want to go out to eat for steak again.  I believe I have achieved that goal. This weekend, I’m putting those skills to use.  I plan to buy some USDA Prime rated fillet mignon steaks from Costco and fire up the grill.  Great food and much less expensive than eating out! Fist pump for a great steak, and my favorite posts of the week! Posts That Make Me Fist Pump Costco […] Read more »

Group Vacation Meals Save Money

Last week my wife and I were vacationing with three other families at a lake in northern Minnesota staying in couple of lakeside condos. As we have done previously, we saved huge money by doing group vacation meals instead of dining out. Most of the time, anyway. We did eat out once, and it illustrated perfectly just how much can be saved by cooking your own meals when vacationing with a group. Group Vacation Meals Save Money During a late afternoon boat cruise we stopped at a bar and grill right on the water. The group decided to eat dinner. […] Read more »