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Category: Household Finance

Make Money on Your Deep Savings Account with a High Yield Savings Account

Rachael and I are always looking for ways to save money and eliminate waste in our budget.  We’ve worked pretty hard to keep that waste at a minimum, but occasionally, there are places to trim.  Obviously, we are huge proponents of creating and keeping a budget, but at some point, you’ve optimized as best you […]

Why Creating and Keeping a Personal Budget Puts You in Control

A lot of people I talk to don’t want to budget.  They feel it’s restricting.  Maybe you feel the same way! I get it.  You want to be able to spend your money on things you want, and maybe even experiences. You work hard day in and day out to make money. Why should you […]

How Much of My Paycheck Should I Save?

Everyone always wants to know the magic number to save.  Is it a dollar amount?  Is it a percentage of your income?  The answer?  It depends. There isn’t one magic number for everyone.  How can there be?  Everyone’s situation is different. Everyone’s comfort level is different. Some people feel like they need less money in […]

5 Budgeting Tips from a Dual Income Married Couple with No Kids

Honestly, the budgeting process largely looks the same for singles as it does for couples, but instead of one person’s financial goals and financial issues there are two variations. I want to share tips that have helped Rachael and I since we got married. 1. Put Everything on the Table Before you can even create […]

Personal Budgeting Checklist for the Start of the New Year

The New Year always brings excitement, inspiration, and usually resolutions and goals.  I know this because our gym is now twice as busy this week than it was last week.  Before you get started running down the New Year path already, it’s important to close out your previous year, especially from a financial standpoint.  Here […]

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How Should You Adjust Your Personal Budget When You Get a Raise?

I love this question.  I love thinking about what to do with the “extra” money when you get a raise. It can be tempting to start increasing your budget categories right away.  Maybe you feel like you’ve been cutting it close every month on your shopping budget.  If you’re like me, it’s most likely your […]

How Busy Couples Can Save Money on Food, Eat Healthy, and Save Time

When you both work full time, it’s tough to find the time to cook dinner every night and pack lunches every day.  When you get home, it starts to get late quickly, you’re both tired, and it’s easy to just plop down on the couch and say, “Want to order pizza?” I’ve been there.  Trust […]

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Here’s a Breakdown of Our Personal Finance Budget Categories

Honestly, there are probably an infinite number of ways to break down your personal budget.  Rachael and I have been budgeting together for about 3 years now, and we literally track every penny that comes in or goes out.  Below, I will lay out what categories have worked for us and what types of things we […]

How to Furnish Your Home Without Using Savings or Racking Up Credit Card Debt

Spencer and I moved into our first home in November 2013. Before, we had lived separately or in an apartment together. We have a three bedroom, two and a half bath, two-story town home. I remember the feeling of walking into the home once it was finished. It was sparkly and new and completely empty. […]

Can’t Find a Job? Should You Go Back to School for an Advanced Degree? Not on My Watch

I’ve been out of college for several years now. During this time,  I have witnessed something interesting.  When I graduated, it was in the midst of the Great Recession.  Jobs were tough to come by.  Our graduating class was struggling to gain employment.  Most people went back home and lived with their parents.  And for […]

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