Debt: 4 Reasons to Leave Debt Behind Today


Debt: 4 Reasons to Leave Debt Behind TodayDebt.  It’s just another four letter word in our vocabulary.  Yet, in American culture, debt manages to permeate our lives in almost every way imaginable.  Everywhere you turn, people are struggling to stay on top of their everyday living expenses in addition to servicing their debt.


Obviously, the best advice anyone could give you would be, “Stay out of debt in the first place.”  But, it’s too late for many of us. Debt has a tendency to creep up on us when we least expect it.  Some personal finance writers differentiate between “good” and “bad debt.”  I’m here to tell you that all debt sucks.  Some of them, like a house payment, are just less oppressive than others I guess.  Here are 4 reasons you should try to get out of debt as soon as humanly possible. [Read more…]

Club Thrifty: Turning Our Dreams into Reality


Club Thrifty: Turning Our Dreams Into RealityWhen we started our blog six months ago, we never really thought that anyone would even read it.  We never would have imagined that it would grow into what it has – and do it in such a short period of time.  Now that we’ve lived through the first six months of Club Thrifty, I have to say that it has been amazing.  We have met and networked with inspirational writers and people from all over the world.  Truly, we never anticipated all of the support that we have gotten and all of the connections that we have made.  If you have stopped by, commented, or promoted our blog at any point over the past six months, we want to say “thank you.”

We have also learned so much over such a short amount of time.  We made mistakes and, luckily, took the time to learn from them.  We asked for advice from more established bloggers. People like Jeremy from Modest Money, Jefferson and Michelle from See Debt Run, Average Joe at The Free Financial Advisor, Michelle from Making Sense of Cents, Jacob at iHeartbudgets, Jason at Work Save Live, Daisy at …Add Vodka, and Carrie Smith from Careful Cents were happy to help.  Of course, everybody at the Yakezie Network has been extremely helpful as well.


It Gets Better…

Some new and exciting things are happening here at Club Thrifty.  First, last week, I was hired to be a staff writer at my very favorite personal finance blog, Get Rich Slowly.  It is my understanding that my stories will be published twice per month, on the second and last Thursday of each month.  Make sure to check them out and show your support.  Or, comment and tell me that what I’m saying is completely wrong.  You know I live for controversy and awkward moments! My first “staff” assignment will go live this Thursday! [Read more…]

Why Saving Money Feels as Good as Spending Does


Why Saving Money Feels as Good as SpendingI truly believe that some people are born “savers” while others are born “spenders.” For lots of people, saving money goes against every instinct in their body. They just love to spend. It feels so good to them. Some of them even report getting a sort of high off of it. However, that is not to say that there is no hope for those born spenders to become financially responsible savers. It just takes some work.


Natural spenders can learn all about saving money. They can be taught how to budget. They may want with all of their heart to become a saver. They may learn the “ins” and “outs” of retirement planning and make sure to have the proper income protection coverage. They may even learn why they need to think “long term” instead of just focusing on how they feel in the present. Yet, they still have a very difficult time becoming a saver. Why? Because of the way that saving money makes them feel.


Today, I am going to make a very bold statement. It is super bold.  So bold, I’ll even put it in boldface type below…I hope you used the extra hold hair spray this morning because I’m about to blow your hair back. Are you ready for it? This is your last warning. OK, here goes:


Saving money can feel just as good as spending it does.




Yep, I just did. [Read more…]

Dream House Or Dream Life?


Dream House or Dream Life?A few months ago, we were seriously considering moving.  Frustrated by a few of the shortcomings of our current residence, we started looking for a way to upgrade to our dream house.  Our current house – the one we have lived in for 4 years – is a 4 bedroom/3 bath home with about 2,300 square feet.  It has a large living area and a play room and sits on a large lot.  However, it doesn’t have some of the things I have always wanted – a garden tub, a nice backyard that you can relax in, and a roomy kitchen with upgraded cabinets and appliances.


Because of the way our house was built and laid out, remodeling wouldn’t make much sense.  Our kitchen can’t really grow in size, and there is no room for a garden tub in any of the bathrooms.  Also, we can’t change the fact that our yard backs up to several other back yards.   It was beginning to look like we should just move to get the house that we want. [Read more…]