If you live in California, then you probably know all too well what a Public Safety Power Shutoff is. Maybe you’re among the millions that have already experienced one or more power shutoffs in October alone. It’s no secret that these planned power outages are annoying and inconvenient, but if you’re not super careful they […]
Debt Smash-athon SEPTEMBER Progress Report
Great job smashing debt in September! As a group, our numbers were higher than they ever have been! Several of you had some enormous payments toward your debt! Two people sold houses and put the proceeds toward debt. One person started a debt free journey with a hefty sum that had been set aside for […]
The Calculator That Gets You Out of Debt Faster
If you’ve already started on your debt-free journey, then you probably have a target debt-free date in mind. Maybe you’re hoping to pay off your student loans before your 35th birthday or pay off your enormous credit card balance before next Christmas. Your goal date can really motivate you to make sacrifices and do hard […]
Monthly Grocery Shopping– October 2019
We started out the month of October with a pretty standard grocery haul for our family. I plan my grocery shopping a little different than many people. I don’t shop according to specific recipes I plan to cook in a month. We cook our food from scratch using standard ingredients that we keep in our fridge, […]
Real Family Budget Update– September 2019
It has officially been six years since I started sharing our real family budget online. Every month for the past six years I’ve shared our income, spending, saving, and goals. The accountability that comes with this is HUGE. It really has kept us on track to pay off debt and reach our goals over the […]
Yes, You Need Insurance to be an Airbnb Host
A year ago Stephanie and I switched our above-the-garage rental apartment property from a traditional long-term rental to shorter Airbnb rentals. Preparing for the change, we did exhaustive research into the question of homeowners’ insurance. Would our homeowner’s policy still work with Airbnb? Could we get a supplemental policy? What was covered by Airbnb’s own […]
Monthly Grocery Shopping– September 2019
Normally we do our monthly grocery shopping at the beginning of the month, but in September my husband and I were gone to Washington DC for a financial bloggers conference so it was nearly halfway through the month before we made our monthly trip to Sams’ Club and Winco. I did make a quick $35 […]
Is a Baby Registry Worth It? Tips to Make the Most of Your Baby Registry
Do people still make baby registries? Today’s post isn’t one that most of you will use right away, as it only directly applies to those of you who have a baby in your near future. If that doesn’t describe you now, you can pin it for later or pass it onto a friend or daughter who is […]
Debt Smash-athon AUGUST Progress Report
What a great debt smashing month! So many of our Debt Smashers hit major milestones in August! I get so excited when each of you pays off a loan or a credit card. I’m totally cheering you on the whole way, so when you announce that you’re debt-free I’m over here doing cartwheels! Okay, not […]
How to Get Your Spouse On Board with Paying off Debt
Are you ready to tackle your mountain of debt but can’t get your spouse on board? If you’re having a hard time getting your husband or wife motivated to start paying off debt, keep reading for tried and true methods from couples who have been in your shoes. Mike and I are transparent in sharing […]
Real Family Budget Update– August 2019
Every month we share a budget update where we go through our income, spending, saving, and goals. Having this accountability helps keep us on track. Hopefully it helps you to see a real example of how one regular family manages their money. Of course your budget won’t look like ours and that is perfectly fine. […]
Two Reasons Blue Apron Could be Worth the Cost
If you’ve seen our food budget, you know that a meal delivery service like Blue Apron wouldn’t fit in our normal grocery budget. And that’s just fine! Spoiler: It goes somewhere else in our budget. We love Blue Apron and it can be worth it sometimes– even for frugal folks like us– for two reasons. […]
5 Money-Saving Tips for Back-to-School Clothes Shopping at the Thrift Store
We do back-to-school clothes shopping a little different than most people. Instead of hitting up Target or our favorite department store, we go to the thrift store. And we don’t even pay full price at the thrift store! I want to show you what we get (and don’t get) at the thrift store to maximize […]
Monthly Grocery Shopping – August 2019
After years of questions about how we feed out family on such a small grocery budget, I started sharing our family’s monthly grocery hauls. I do my grocery shopping a little different than a lot of people. I don’t shop from a menu. I generally don’t shop from sales flyers. I don’t shop frequently. I […]
Debt Smash-athon JULY Progress Report
Way to stay strong in smashing your debt and reaching your financial goals, friends! I love seing each of your names and reading of your progress each month. You’re doing great things! You’re making a difference in your financial future and that of your family! These are accomplishments worth celebrating! That is what the Debt […]
Real Family Budget Update– July 2019
Many of us never had any real teaching about budgeting or personal finance. We were just thrown into the world of adulting and expected to figure it out. Keeping money a taboo topic doesn’t really help anyone (unless you’re a credit card company, student loan servicer, or payday loan shark). Six years ago our family […]
How We Stopped Living Paycheck to Paycheck by Getting a Month Ahead
The single most important change we made to our finances when we set out to pay off six figures of student loan debt was to get a month ahead in our budget. We knew that living on last month’s income would help us, but we had no idea that it would be completely revolutionary. Getting […]
Smart Ways to Save Money on Pregnancy
UPDATED! Originally published 20 Feb 2015 Pregnancy comes with plenty of extra expenses, some subtle and some glaring. Of course some expenses like insurance co-pays can’t be helped, but there are still ways that you can save money during those nine months of anticipation! Without even talking about baby, there are definitely some increased costs […]
How We Manage our Airbnb Hosting Finances
Managing your own family finances can be a challenge. What happens when you add a business (or two or three) on top of it? Since we’re already transparent with our finances and many of you have been asking how we handle our Airbnb finances, we figured it was time we show you how we do […]
Debt Smash-athon JUNE Progress Report
We’re halfway through 2019! You guys have blown me away with all of your progress. It is such a treat for me to read your reports each month. I don’t know your faces, but I recognize your names and I’m familiar with your stories, especially those of you who report each month. I am cheering […]
Monthly Grocery Shopping – July 2019
You may have noticed that I neglected to make a grocery haul video for April, May, and June. We still bought groceries of course, but that was about as far as I got. Well, we ate them too. During the first trimester+ of pregnancy I am super tired and go to sleep really early, which […]
Real Family Budget Update – June 2019
It’s time again for a little personal finance made public! Now that I’m well into the second trimester of this pregnancy, I can finally manage more than just feeding my family. The change in my energy and motivation is definitely evident in the budget. June looked much better than April or May. I’ll be back […]
Debt Smash-athon MAY Progress Report
Another month of the Debt Smash-athon is in the books! As usual, you Debt Smashers worked hard to accomplish big things! Even though only a fraction of our community reports numbers, I know there are many more of you who are working your tails off without reporting it. I get so inspired reading all of […]
Real Family Budget Update- MAY 2019 (with BIG NEWS!)
We are keepin’ it real over here in the Six Figures Under family. As usual, I’m going to show you all of our actual spending for our family of seven and this month, well, it’s not the same ol’, same ol’. Some of these numbers may shock you. I know they shocked me! And then there’s […]
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