If you haven't followed my blog since it started nearly five years ago, you might not realize I came from a position of overspending and debt. When I started this site, I had just finished paying off the last of my credit card debt. Over $50,000 to be exact. This was on top of another $25,000 we had in consumer loans, like a JetSki, cars, and some personal loans. I battled that debt for four years until it was paid off. Every single … [Read more...] about How to Effectively Use Credit Cards After Debt
Debt is one of those things that we are all trying to avoid. Unfortunately, some circumstances make it much easier to fall deeper into debt instead of climbing out of it. Separation and divorce can easily land you here. I can speak to how hard it is to get out of debt when you suddenly find yourself caring for children on your own without any financial assistance from your former spouse. It can be extremely daunting and, if you don't have a game … [Read more...] about How to Effectively Budget After Divorce
We have 5 kids and live in a 3 bedroom/2 bathroom house. That may seem a bit tight to you and let me tell you that most days, it is! Therefore, we've been talking about our options to add another room onto the house, along with tearing down our carport and adding a 2-car garage. The biggest determining factor here is should we apply for a HELOC or refinance the current home loan? HELOC A HELOC is a Home Equity Line of Credit. I had one of these … [Read more...] about To Refinance or Not to Refinance? That is the Question!
Every year the dreaded day comes around where a man is supposed to show his significant other just how much he cares and spend gobs of money. This has always seemed like an extraordinarily strange tradition to me since it would seem logical to show your significant other just how much you love them EVERY single day of the year and not just on Valentine's Day. However, this is the realm we are currently in, so embrace it! This doesn't mean that … [Read more...] about How to Keep the Romance and Your Budget Alive on Valentine’s Day
I realize that it is only January and that summer is a far off mirage. However, I have learned that if I don't start start thinking about summer camps for my kids now then we will likely be left out in the cold. Not only that, but if there are scant options left, they will be MUCH more expensive. Why Now? All summer camps begin their early registration period in February, which was a completely unknown to me until recently. Summer camps figure … [Read more...] about Why NOW Is The Best Time To Think About Summer Camps
It's that time again! Time to start fresh with a new year and make a full-hearted attempt to remedy any perceived shortcomings from last year. These usually include things along the lines of exercising more, eating healthier and getting better with finances. Since this seems to be the case for most of us, then this is the best time to combine eating healthier and getting better with finances by ringing in the new year with a food … [Read more...] about Save Money In The New Year With A Food Overhaul