…if you have no use for it? I admit to being guilty of this with clothing. Sometimes, I find an item on the clearance rack that is just too good of a deal to be true. You know, it’s like 90% off the original price, and well, I simply must grab this item that I… Read More Why do you buy something…
Do you feel overwhelmed by your stuff? Perhaps you have too many clothes in your closet that never make their way into public viewing. Perhaps your children have toys that remain unopened and unplayed-with months (or years) after a birthday or holiday. And I think many of us will confess to holding onto things far… Read More Do you spend differently?
Look at this article on the cost of dining out. For the first time EVER, Americans are spending more money to eat out than they are on groceries. Wow. Impressive, right? Well, maybe for the restaurant industry, but not for those who should be paying off debt or trying to retire early. And while there… Read More Groceries vs. Dining Out
My husband and I are the biggest fans of budgeting software You Need A Budget (YNAB). I am certain that I will dig into this software on many occasions in the future, but today I’d like to focus more on budget philosophy. YNAB promotes four guiding principles, which you can read about here. One of… Read More What are you saving for?
Like most folks, I love to dream about what I would do if I won a big lottery jackpot. Not “just” a few million. Nah, that’s only enough to be comfortable on, right? I mean, the BIG MONEY. Hundreds of millions of dollars. My husband and I want to claim the winnings anonymously. I’m not sure that’s… Read More Hitting the jackpot
This article says that the poorest 20% of Americans donated 4.3% of their income to charity, while the wealthiest 20% of Americans donated only 2.1%. Sure, I know the2.2% delta represents a huge difference in dollars, but when we hear a lot about giving 10% or more, don’t these numbers seem low? And why, then,… Read More Charitable Giving
Even if you aren’t debt-free (but hopefully on your way), check out this article by one of my favorite finance guys, Dave Ramsey. It lists some characteristics of debt-free people. Just a few of my own personal observations now that we’ve been debt-free for nearly four years… I totally agree with the statement that we are CONFIDENT. I… Read More Confidence