My Dream List of Home Upgrades

DSCF3124As many of you know, we moved late last year and bought a new-to-us home in early 2014.  Our house was fairly nice already, but we did set aside money for a few upgrades that would ultimately make it livable for us.

For the most part, those upgrades included new carpet and tile flooring to replace the carpet that was over ten years old and in really bad shape, but we also did a little DIY before we moved in.   [Read more…]

Why We Are Still Prepaying Our Mortgage

This is my house.  I owe money on it. I don't like it.

This is my house. I owe money on it. I don’t like it.

Early last year, we were making some serious headway on our primary mortgage.  In addition to our regular monthly payment, we were paying lump sums of $1,000 each month, and sometimes more.  The balance was dropping quickly, and I was super excited about the prospect of becoming 100 percent debt-free.  Then boom – it was all over.  Let me explain. [Read more…]

My Worst Money Mistakes

HOT MESS ALERT!

HOT MESS ALERT!

One of my favorite things to do is make fun of myself, and it’s partly because I make it so darn easy.

After all, I provide an endless stream of fodder for my own jokes, like the fact that I wear pajamas every day, all day.  Or the many times I have gotten drunk and performed tragic reenactments of my favorite songs during karaoke.  Or the time I texted my old boss and her husband with the simple words, “love you,” because I mistakenly thought I was texting Greg. [Read more…]

Making the Leap to Get Out of Debt

Being in debt is scary.  And not having the cash you need to pay your bills can seriously suck.  That’s why we go into debt, isn’t it?  That’s why we spend money that we don’t have.  And, it’s ultimately the reason why people do drastic things like selling plasma and taking out payday loans. Big mistake. [Read more…]

Club Thrifty August Budget Breakdown

Good morning, Thriftaholics!  Welcome to the first installment of our monthly budget breakdown.  I’ve never shared our monthly budget details before but was inspired to do so after sharing my monthly income for the first time in June.  In case you missed that post, you can read it here:

Cash Money: $7,230 in June Income, Blog Updates, and Goals

From now on, I’ll be sharing a monthly cash money income update as well as my monthly budget details for all of the world to see. Isn’t that exciting?  Of course it is!  [Read more…]

Club Thrifty Fall Financial Lockdown

Club Thrifty Fall Financial LockdownAfter my vacation to Mexico last week and my complete budget breakdown, I’ve realized that it’s time to get serious again.  It’s time to start watching pennies and nickels and sticking to my budget come hell or high water.  Why?  Because sticking to a budget is one of the best things we have ever learned to do.  When we started budgeting a few years ago, we made huge financial progress.  Here is what we have accomplished in the last 30 months:

  • We’ve paid off almost over 120K in debt (includes car loans, student loans, personal loans, credit card debt, and part of our mortgage)
  • We’ve worked our way to a savings rate of over 50 percent
  • We started building college funds for our kids
  • We have a year’s worth of living expenses in cash savings [Read more…]