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Whenever you’re starting to budget for the first time, it can be really frustrating. Oftentimes, when people give budgeting a go, you can pretty much expect that their category amounts are going to be off for a few months.  Of course, this will make many new budgeters get frustrated and decide that budgets aren’t really […]

I’ve always been pretty honest that food is the expense that gets out of control for me fast. I’m actually pretty good at keeping other expenses in the budget, but when it comes to food, that’s the one that gives me the most grief. Back when Katie and I were first married, if we overspent […]

I remember a coworker say one time that he doesn’t mind staying busy and working because when he’s off, he just spends more money anyway.  I’ve often found that I have the same trouble when we’re on vacation or just bored. Everything that you can normally think of to do costs money. The problem of […]

My wife Katie and I have come a long way in the almost 11 years that we’ve been married now and we’re just getting started. Now, we have a full family with 3 kids, a dog, and a mortgage.  The journey that we’re on is a challenging one, especially getting my 3 year old in […]

I’m going to go ahead and guess that my blog isn’t your first step into personal finance. I’m also going to assume that wherever you are with your money, you’re trying to get to the next level.  In this community, we’re all coming from different places. And depending on where that place may be, we’re […]

Several years ago, when our first son was born, my parents decided to retire from teaching so that they could have the flexibility to be around a lot more with our kids.  That worked out pretty well for a while, but it didn’t take long for my dad to start chasing something else to do. […]

When I first started digging into personal finance, one of the most alluring things to me was the idea of retirement-having this big nest egg that would pay for the best years of your life. The work of your career was done, and now all you had to do was spend every day soaking up […]

Timing your bills and all of your expenses throughout the month can be stressful, especially if you’re getting paid multiple times a month. It’s tough to make sure that you have all of the money you need for each pay period to make it to the next one.  Or if you’re riding the credit card […]

I always enjoy the reflection that comes in between Christmas and New Years. It’s also a week when many people take off from work. As a teacher, we’re on our winter break and I’ve been loving the chance to slow down and spend more time at home with family.  Since our son Finn got his […]

Looking back, it’s amazing the progress Katie and I have made in our lives up until this point.  I feel like everything that we have in our life now was once something we were wishing for. The jobs we have, the home we live in, our 3 kids that drives us nuts but we couldn’t […]