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Category: Money

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 […]

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 […]

What Does It Mean to Really Stick to Your Budget?

Creating a budget is actually a fairly easy task.  It does require some thought and some initial work, but really it’s not that difficult.  You simply take your take home pay and divide it into various categories.  As an example, let’s say you take home $3,500 per month after taxes.  You’ll take that number and […]

How to Organize Your Closet

I am definitely one of those people that loves to have EVERYTHING in its place and organized. I understand that not everyone has that tendency. However, I think that having your closet organized saves time and even money. Don’t worry- I’ll explain why! Each person has a different sized closet (mine is medium-sized), and so […]

Do I Need Budgeting Software to Stick to My Budget?

There are probably a thousand ways to organize and do your monthly and annual budget.  And there are probably dozens if not hundreds of types of software out there that can help you budget.  But, do you really need it?  My quick answer is “no”.  Unless the software actually helps you follow through on tracking […]

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