• Money

    Credit Cards: Never Again

    Worst mistake we ever made in our financial lives. And it happened so subtlety, too. $500 for kids dental work here, $1000 for hospital bills, there. Before we new it, we were swimming in about $20,000 worth of credit card debt. All collecting anywhere from 17% to 28.99% APR! We’ve had a few years of medical-type issues come up that have seriously drained the bank. And because we are always freaking out about not having cash on hand, we differ these to credit cards. It came a point where it was a giant boulder we carried on our backs whenever looking at our finances. The Brainstorming Session We were racking…

  • Money

    Trimming Monthly Bills – Psychological Warfare

    For most of our adult lives, me and my husband adopted the “out of sight, out of mind” mentality. As long as we could “afford” it and nothing outrageous caught our attention, our recurring bills were pretty automatic. Its not until these past few years that we started moving towards the mustachian way, that we took a cold, hard look at what exactly we were paying for, and gasp, other options. Some of our bills were real easy to identify as money wasters. But others required research, and an all out change in our lifestyles. This was a process for us, which realistically could have been condensed into a few…

  • Money

    Time to Put Up, Or Shut Up

    So, the beginning of 2017 had started out with a bang in knocking out our financial woes, but then we hit the metaphorical wall. A whole year went by, with our focus firmly planted on everything else except money.  But then came 2018. We buckled down, and chipped away even more at our spending. And by this point I have reread MMM’s blog about three times over (every. single. post.). I was a mustachian in my heart, but had to somehow make it a reality. Step 5: Exhaust Everything Available to You. So, the one thing we do have going for us is that I work for a great company.…

  • Money

    Money Isn’t Everything

    But it sure helps. I haven’t necessarily struggled with money in my life, but I sure could have done a way better job. At this point, if I had wised up years ago, I could be in early retirement mode. For the past few years, me and my husband have slowly been embracing a new philosophy with money. Have you ever heard of Mr. Money Mustache? If you haven’t, I suggest you drop what you are doing, and check out his story.  He has been a huge inspiration to my household. Its not just about the money aspect, its a way of life. For the past 2 years, we have…

  • Start Here

    Everyone Has to Start Somewhere

    For the dreamers out there, the start of a new year brings a lot of whimsy and hope. You have the chance to leave a whole year full of ups and downs behind, and start fresh. Is it possible to be a realist and a dreamer at the same time? I can tell you that the answer is yes, and I am that person. I am as hopeful as they come, but I am also pretty realistic when boots hit the ground on a new adventure. Year after year, I have seen a lot of successes, and a whole lot of failures. And every time I reflect on the stories…