superman emergency fund - How an Emergency Fund Can Save Your Finances

How an Emergency Fund Can Save Your Finances

Are you prepared for a financial emergency? It’s not a matter of if you’ll experience a financial emergency, but when. They happen all the time and range from a few hundred dollars to a few thousand. So that brings us to the next question. How much money do have saved up for emergencies? In January, 2017, Bankrate reported that 57% of Americans don’t have enough cash to cover an unexpected expense of $500. Unfortunately it’s pretty easy for unexpected expenses to exceed $500. Let’s take a look at a few […]

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We Paid off $73k Student Loan Debt in 4 years

How We Paid off $73k of Student Loan Debt in 4 years

I first started this site to share our debt free story and help families get out of debt. I’ve shared bits and pieces of our debt free story, but never the full sha-bang. Well here it is. On May 27, 2017 my wife and I became debt free, paying off $73,000 of student loans in just under four years. In this post, I want to show you exactly how we did it and give you hope that it’s absolutely possible to pay off your own student loans (or any debt […]

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You Need to Be Teachable

To Improve Your Finances, You Need to Be Teachable

There are experts everywhere. I believe anyone can learn anything they want, if they find the right teacher. I believe if you really want to change and to improve your finances, you need to be teachable! True change requires knowing that you don’t have all the answers. If I want to change, I need to find someone who can teach me what I need to know. If improving your finances is a high priority, it’s time to find experts to teach you how to change. Most People Aren’t Willing to […]

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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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Debt Freedom from Student Loans

Goodbye Student Loans: We Are 10 Days From Being Debt Free

It’s the final countdown. (Ba-Da-Dun-Dun, Ba-Da-Dun-Dun-Dun) We’re rounding 3rd and charging for home. We’re in the home stretch! It’s the bottom of the 9th. It’s 4th and Goal! We are 10 stinkin days from paying off all of our student loans. $90,000 in less than four years, holy crap this is really happening! If you couldn’t tell, I’m a little excited, and really into sports analogies! 🙂 On May 31st, we will have no more student loan debt (minus what is being forgiven). Starting in June, our budget will have […]

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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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Get Out of Debt Fast Be Different

3 Ways to Do Money Differently, and Get Out of Debt Faster

The tagline for my website is “Doing Money Differently.” For the past four years, my wife Jenna and I have been doing exactly that and our finances and lives have changed dramatically for the better. It is something I truly believe can lead you to long term wealth, financial success, and happiness. Our path to doing money differently didn’t happen overnight, but rather, a series of small, consistent choices strung out over many years. I want to share with you three ways we are “Doing Money Differently.” Why We Do […]

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Hard Work Second Job Saved Finances

Getting a 2nd Job Saved Our Finances

I met my wife Jenna in college as we both started the Teacher Education Program at the University of Minnesota Duluth. After graduating we both found a job at the same school and worked our way up to being full time teachers. Educating young people is a passion we both share in life, and we truly love that we get to help shape young minds for a living. However, teaching middle school isn’t our only job. Even before we got married, we both sought out a second job to supplement […]

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Personal Allowance Freedom in Budget

How to Experience More Freedom in your Budget

I have been budgeting for almost four years now, and amazingly I have come to really enjoy the entire process of balancing our family budget. It has become such a joy that I typically get excited at payday, not only because we are getting paid, but because it means I get to play around with the budget! I love tinkering with our totals and projecting how much we will be able to pay towards our student loans! You might be thinking I am a major nerd, which I am, but […]

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