Over the past two years of reading personal finance blogs, I've seen plenty of articles on packing lunches to save money. As much as I love the idea, I just couldn't make it work. I absolutely HATED packing my lunch. Every time lunch rolled around, my sandwich was the soggiest thing I ever touched. It ...
Category Archives: Budgeting
Why We Use Mvelopes and How You Can Save 25%
I haven't really talked about our budgeting system yet. I guess I've held back because we have a different situation than most (in not all) of you. Since I live in another state during the week, we need to be extra careful about our budget. Being away from each other can create some miscellaneous expenses ...
Even a Small Emergency Fund Can Bail You Out
Having a small emergency fund while getting out of debt is critical. As I mentioned in other posts, one of the first steps to getting out of debt is not adding to it. Having a cash reserve, no matter how small, can make that step even easier. Our $1,000 Emergency Fund When we started thinking about
Are You Living ‘Within Your Means’ or ‘Below Your Means’?
Recently, there was an article on CNNMoney that tried to define the phrases 'living within your means' and 'living below your means'. I think they are two phrases that are completely different and here are my 'definitions' of them. Living Within Your Means To me, this phrase is too positive. Living within your means sounds ...
What Are You Cutting Back On?
I recently came across an article over on CNNMoney about where some Americans are cutting back in their spending. I found the results very interesting. 1. 50% of Americans plan to buy an HD or flat-panel TV in the next year I don't know about you, but purchasing a TV is one of the ...
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