I’m not sure, but I think my high school senior is ready to commit to her choice of school for next year. It’s been a yearlong process since we first started touring schools, and analyzing what would be a good fit for her (academically) and us (financially), and even for the whole family (emotionally). Quite… Read More Finally, a college decision!
We use this great budgeting software called You Need A Budget (YNAB). When we first started using YNAB, we used it for expense tracking only. I didn’t want some software app (or my husband) to tell me what I could and couldn’t buy. I was already a practical spender…most of the time. When we finally… Read More What if…?
I know, I know…I am a huge fan of Dave Ramsey, and he is NOT a fan of credit cards, even those used responsibly and paid off each month. But hear me out. In the past year, I have charged nearly $60k on my LL Bean Visa card. My reward was 1%, or $600, in bonus… Read More The first month with my Costco Visa
Today is our fourth anniversary of being free from our debt. In the two or three years leading up to October 10, 2012, we had paid off our car loans. One was paid off a few months early; the other, maybe a year early? But it just didn’t seem right to pay off the mortgage.… Read More Today is our 4th Debt Free Anniversary!
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?