Chicken and Sushi - Can You Stop Going Out to Eat for 30 Days?

Can You Stop Going Out to Eat for 30 Days?

One of the cornerstone pieces of Jenna and me paying off $73,000 of student loans in less than 4 years came from a single decision. We chose to trust Jesus when He asked us to stop going out to eat. It sounded crazy, radical, and downright impossible. But we said yes, and it’s been life changing. Eating Out vs. Cooking Family Dinners Eating out is easy, convenient, and much more efficient than cooking meals at home. There’s no preparation and no clean up. However, you’re paying for a service and […]

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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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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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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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Budgets Provide Freedom

How to Make Your Budget Freeing, Not Restrictive

I think it is a common misconception that budgets are restrictive and limit how you can spend your money. In fact, I believe the opposite is true. A budget can open up new opportunities and freedom in your finances. That has been our experience. Yes, at times it has really sucked and we did feel restricted. But the restriction was only temporary. A big part of why a budget feels so restrictive at first is because it is forcing a lifestyle change, or at minimum, a rearrangement. It’s like going […]

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Save Money in the Summer

A Few Tricks to Keep Your Budget Cool This Summer

Summer is my favorite season of the year! It is full of adventures at the beach, hiking, playing golf, grilling, and camping. Oh, and if you’re in your 20s, don’t forget about all the weddings you will get invited to or asked to be in. Summer is time to let loose a little more, get outside, and be more active. It’s also a time where it becomes really easy to spend more money than you really want to. That’s right, those extra activities aren’t free! Now I’m not saying to […]

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Cheap Frugal Food Budget

Food is Expensive! How We Survive on $60 a Week

Everyone has to eat. Period. Thank you Captain Obvious. But how much you spend and where you shop varies dramatically. Also, I feel like the prices of food are always going up and our dollars just don’t stretch as far as they used to. It might not actually be true, but I often look in my cart and am shocked by how little I can buy. My family sticks to a pretty tight budget, so for us, price matters, and so does where we buy food. I am going to […]

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Improve Finances on Single Income

How to Improve Your Finances on a Single Income

There are a lot of stories about couples paying off a bunch of debt in short periods of time. Today, I want to give hope to all the single folks out there. If you’re single, I want to show you how to improve your finances on a single income. I think there are three fundamental steps you can take right now to kick start your financial makeover and start reaching your goals. Step 1: Make a Budget If you don’t have a budget, start one now. It is the single […]

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