How Do Interest Free Promotional Offers Really Work?

Our washing machine’s drum bearing was going out, and our appliance repairman notified us they were authorizing replacement through our appliance protection plan. The new washer my wife and I picked out was completely covered by the plan, but we were also contemplating buying the matching dryer. As we talked about it, the sales person described a 6 month no interest finance option. Many retailers offer similar offers, and it’s important to keep in mind exactly how they work. Line of Credit They may not say it, but you have to qualify for the offer. You’re actually applying for a […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/14/2020

Fate hit me hard this week.  I knew it was coming, and I even wrote about it in my post earlier this week.  We had someone come and look at our extremely loud washing machine and my fears proved correct.  The drum bearing was going bad, and the service person deemed it was not worth the cost of parts and labor to fix on our 15 year old washing machine.  We were instructed to go to a local appliance store where we were given a dollar amount towards a new washer. We picked one out, and as I had predicted […] Read more »

4 Reasons I’ll Need An Emergency Fund This Year

I vowed to beef up my emergency fund this year. This isn’t just a blind goal, there’s a reason behind this goal. There are actually several reasons it’s imperative I achieve this goal. Without a pumped up emergency fund, I may be facing a very difficult financial situation. Here are 4 reasons I absolutely must have a fat emergency fund in 2020: Water Softener Every now and then the salt tank fills too far and water drains out the overflow valve. That’s not supposed to happen. While it hasn’t happened in awhile, I’m just waiting for it to break down. […] Read more »

3 Tips For Paying Off Your Mortgage In Just Five Years

Paying off a mortgage in just five years sounds like heaven to many people, although it also sounds unachievable to most. But by making a few changes to your financial setup, you could be able to pay off your mortgage sooner than you might think. Here are three tips for going mortgage-free within five years.   Royalty Free Photo Set Up A Dedicated Savings Account Having a dedicated savings account just for money that you save towards paying off your mortgage will make it easier for you to save and will also enable you to easily keep track of exactly […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/17/2020

We’re bracing for a winter storm to hit Minnesota today.  School was cancelled last night, and everyone (including myself) went to the grocery store to stock up on supplies. Which is kind of silly because the storm will last a grand total of 24-36 hours.  I’m pretty sure we had enough food to survive one day without leaving the house.  But, NFL playoffs are on tomorrow, and then Sunday it may still be windy and raw.  So, I don’t have to go outside at all this weekend if I don’t want to. Fist pump for being snowed in, and my […] Read more »

5 Reasons I’ll Never Use Grocery Pickup Services

People are loving grocery pickup services. Many major grocery retailers offer it, each giving it their own name, but the concept is the same. Customers pick the grocery products they want online and with a click of a button someone at the store rolls out a cart and collects the items for you. You can pick it up usually for free, or for a small price have it delivered to your house. People adore it. I have friends that say they will never go back to doing the grocery shopping themselves. I just shake my head. I’ll never, ever have […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/10/2020

Happy Friday, EOD Nation! We’ve concluded all our holiday gatherings and have abolutely nowhere we need to go. Which is good, because it’s a wintery weekend in the Midwest, with the potential of some icy, snowy weather.  Feels like a great weekend to stay indoors, make some chili and watch the Minnesota Vikings in the NFL playoffs.  Relaxing, low key and inexpensive.  Sounds great to me! Fist pump for doing nothing, relaxing and my favorite posts of the week! Posts That Make Me Fist Pump 4 Ways to Find Extra Money to Put on Debt from Beating Broke 12 Ideas […] Read more »

The Holidays Are Finally Over

I’m happy, ecstatic, over the moon excited the holidays are finally over.  I’m also exhausted. The time between Christmas and the second week in January is traditionally a financial challenge. My wife works for the school district, so she’s off of work. I typically have vacation I have to use so I’m also off work. We’re both on vacation for about two weeks, which creates an environment ripe for overspending. Reasons For Holiday Season Overspending Some of the things that make this time of year a financial challenge are: Holiday Gifts: The whole holiday season is a series of family […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/3/2020

Happy New Year, EOD Nation! I’ve been on vacation for two weeks now, and while it’s been nice, I’m looking forward to getting back to a normal day to day routine next week.  It will help my mindset, my productivity, and my finances. It’s easy to spend more money when on vacation and thus harder to stick to your usual budget. Get your fists up for getting back to normal routines, and my favorite posts of the week! Posts That Make Me Fist Pump 52 Week Savings Challenge List – The Best Ideas from Four Hats And Frugal How To […] Read more »

Five Items To Buy Cheap After Christmas

The presents have been opened, Christmas is over, and if you’re like me and many other people you’ve actually taken down all evidence of the holidays and packed them away until next year. But that doesn’t mean you should forget about the holiday season. In fact, it’s the perfect time to get yourself ready for the 2020 holiday season because some of the best sales are going on right now. Artificial Christmas Trees When we put up our pre-lit Christmas Tree this year, we found that only about one third of the lights actually worked. We used some string lights […] Read more »

4 Tips for Getting a Lucrative Promotion in 2020

Saving money is not always the best way to get out of debt. Though it’s not a bad thing to develop frugal habits, pinching pennies won’t lead to big changes in your life or financial situation –– at least not in the short term. Instead, the fastest way to get out of debt and reach your financial goals is to make more money than you currently are. Unfortunately, this is much easier said than done. Still, even a 2-5% increase in your annual salary can make it much easier to budget and save effectively. With that in mind, today we’re […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/27/2019

Merry Post Christmas Friday, EOD Nation! I like Christmas as much as the next guy, but even if I stay within my holiday spending budget, I feel like I’m hemorrhaging money.  I’m ecstatic returning to my normally scheduled spending plan. Did I mention tomorrow’s my birthday? Fist pump for being past money hemorrhaging holidays, my birthday, and my favorite posts of the week! Posts That Make Me Fist Pump The Art of Paying Bills from DINKS Finance Why You Need a Budget If You’re Broke from Beating Broke 8 Money Challenges For The New Year! from Budgets Are Sexy When […] Read more »

My Financial Goals for 2020

Another year is coming to an end, and as many people do I’m setting some goals for the new year. This list of goals is purely financial, aimed at my financial position being better at the end of 2020 than it is now. I’ll review the progress of my goals every three months so you can help hold me accountable. Here’s my list of financial goals for 2020: Increase Emergency Fund In addition to the standard reasons for having an emergency fund, our appliances and vehicles are aging. I won’t replace them if I don’t have to, but if I’m […] Read more »

Hidden Gems of Nevada

  With regards to Nevada, one can think of the Bellagio or one can think of homely and yet fun properties like the Nugget Reno. The vast majority consider Reno or the captivating Las Vegas, which is loaded with betting, showgirls, and lavish lodgings. Be that as it may, there’s a calmer side to this grand state with no lack of Nevada natural beauty awaiting to welcome you with open arms. Regardless of whether you are in the state for a day, end of the week, or whole week, escape from the groups and visit some of these flawless concealed […] Read more »