Get Rid of Your Car Payment

10 Things You Can Do Instead of Making a Car Payment

According to Experian Automotive, the average American pays $493 a month for a new vehicle and a little bit less if you lease at $412 per month. Nowadays vehicles are fancier, have more features, and are ultimately more expensive, which causes an increase in monthly payments. Next to student loan debt, auto loans are one of the leading causes of debt in America. What could you do with an extra $500 in your budget? If you’re not sure, I’ve come up with a great list of 10 things you can […]

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Starting a Blog

The Reasons Why I Started a Blog

I’ve never considered myself to be a writer in any sense of the word and never in my wildest dreams did I think I would start a blog. I sometimes still can’t believe I created a website to write a brand new 1,000+ word post every week. But here I am, six months into my blogging adventure with dreams of turning this strange hobby into a legitimate side hustle, and eventually main hustle. It’s pretty crazy! I’m sure my Language Arts teachers would be shocked! I’m pretty sure they haven’t […]

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The Road to Debt Freedom Starts Now

Want to Get Out of Debt? Start Here, And Start Now

Let me tell you a story about someone who got in way over his head with debt. When he graduated college and started his first big boy job as a paraprofessional, he thought he had it made. After all, the American dream is to go to college, get a job, and live happily ever after. The problem was he had way too much debt, and not nearly enough income to match it. The numbers lined up something like this: $50,000 of student loan debt, $1,500 credit card debt, and a […]

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Frugal Budget Date Nights

14 Cheap Dates to Fit into Your Frugal Budget While You Pay Off Debt

I am a firm believer that just because you’re trying to get out of debt, doesn’t mean you can’t have fun. And what better way to have fun than on date night. In our year of dating and three years of marriage, we have made date night a non-negotiable, granted we don’t have kids yet, so this is a lot easier for us to fit in than bigger families. When I think of date night, my mind naturally drifts to images of fancy dinners at expensive restaurants, but it doesn’t […]

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Talk Money Budgets with Friends and Family

How to Talk to Friends About Money Without Offending Them

In the four years my family has lived off a budget, our lives have been completely transformed. We paid off all of our student loans, started retirement funds, bought a house, and are now piling money into saving for emergencies, vacations, new cars, and home remodels. Above all else, the way we think about money and spending has drastically changed. In all of this amazing success and transformation we’ve experienced, we really want to share our story and help others experience the same joy and freedom we have! I think […]

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Tortoise and Hare Money Lessons

What the Tortoise and Hare Taught Me About Money

We are all familiar with the story of the tortoise and the hare. The tortoise is a long shot to win the race because he’s soooo slow, while the hare is the easy favorite with his quickness and speed. When the whistle blows, the hare sprints out of the gates and gets a huge lead over the slow, barely moving tortoise. It seems obvious that the hare will win, but we all know how it ends; the tortoise somehow, through insurmountable odds finds a way to win. I think there […]

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Family Finances Talk With Kids

3 Reasons I Talk about Money with my Students, and if you have Kids, Why You Should Too

If there’s one thing I’ve learned as a middle school teacher, it’s that students are more willing to learn if they feel a personal connection to their teacher. So, in my 2nd year of teaching, I instituted a “fun fact of the day” to start each class in an attempt to develop better personal connections to my students. I take a couple minutes to share a personal story from my life that usually happened in the previous day or two. My wife does the same thing in her classes, so […]

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Finding Hope in Your Finances and Budget

It’s Not Too Late! You Can Still Turn Your Finances Around!

It’s easy to look at your financial situation and decide, “I’ve made too many mistakes, there’s nothing I can do about it now.” Maybe that’s what you’re feeling right now. Maybe it’s easier to give up and live forever with your financial mess-ups. The truth is, giving up is easier, at least in the short term, but it also requires you to settle for less than you’re capable of. In this post, I am going to to share some of my less than stellar choices that led me into $90,000 […]

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Expenses of Wedding Season

Wedding Season is Here! Plan Ahead for All the Little Expenses

Summer is here! Get out those swim suits, fire up the grill, and get ready for a good time! During most of my 20s, summer time was also full blown wedding season! I absolutely love weddings, and during my mid-late 20s a bunch of my friends got married and I was lucky enough to be invited to their big day. I even got to be in a good amount of them. Now that most of my friends are already married, I sadly don’t get to attend many weddings. When I […]

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Debt Free Shopping Spree

What Debt Free Looks Like So Far

On May 27, my wife and I finally paid off our student loans! After about 4 years of crazy hard work, extra jobs, limited spending, we are free of student loan debt! It’s actually kind of a weird feeling. In a couple days we will finalize our monthly budget, and we don’t have a specific place for the extra money to go (at least not yet). Before, it was always about our student loans, so at the end of the month we made an extra lump sum payment to knock […]

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