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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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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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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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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