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4 Ways to simplify taxes for small business owners

March 15, 2017 by Stephanie 5 Comments

Well, my fellow small business owners, you’ve got a month left to get your taxes together.  If you’ve got your ducks in a row, then you’ve probably been done for weeks.  If you’re not so organized, then you’re probably dreading the next month. While it might be too late to help you this year, I […]

Filed Under: EARNING EXTRA, FINANCES & BUDGETING

Is it cheaper to make your own bread? 🍞 Price breakdown and comparison for homemade bread

March 10, 2017 by Stephanie 39 Comments

Does homemade bread really save money?  Is it worth it to make your own bread?  We will hash out all the costs and other details so you can decide for yourself! I often get asked if making homemade bread is really cheaper than just buying bread.  There are lots of factors to take into consideration when […]

Filed Under: cooking from SCRATCH, FRUGAL FOOD, FRUGAL LIVING, In the KITCHEN

Family Budget Update– February 2017

March 6, 2017 by Stephanie 23 Comments

Okay friends!  This is the budget you’ve all been waiting for (okay, maybe not everyone, but I know there are lots of you who have been eager for us to get a house payment so we’ll be more relatable). Well folks, we’ve got a mortgage now, and it’s no joke! What’s also not a joke […]

Filed Under: FINANCES & BUDGETING, Personal Finance Made PUBLIC

What would you give up? Megan’s Debt Payoff Success Story

February 28, 2017 by Stephanie 28 Comments

I am always inspired by debt payoff success stories!  I love reading about the sacrifices people are willing to make to get out of debt.  I especially love reading the success stories of my blog readers because I feel like you are all “my people” and we get each other.   Today, while I’m unpacking […]

Filed Under: DEBT, MOTIVATION

We’re Six Figures Under… AGAIN! (Our new financial goals)

February 17, 2017 by Stephanie 51 Comments

After so many of you worried that I would have to change the blog’s name after we paid off six figures of student loan debt, we are right back to being six figures under again. Only this time we’re excited about it! If you haven’t guessed it yet, we bought a house!  Surprise! January was […]

Filed Under: DEBT, FINANCES & BUDGETING, Our Financial Situation, Personal Finance Made PUBLIC

Family Budget Update– January 2017

February 13, 2017 by Stephanie 13 Comments

January was not at all what I expected.  I started January all geared up to have a no-spend month.  The first week or so went well. Then I got sick.  Really miserably sick. It was all I could do to feed my kids some days.  Baking bread and making thoughtfully planned meals was out of the […]

Filed Under: FINANCES & BUDGETING, Personal Finance Made PUBLIC

3 Quick Tips for Filing Your Own Taxes

January 23, 2017 by Stephanie 13 Comments

For over a dozen years, we have filed our own taxes.  It’s not as hard or intimidating as you might think!  I’m excited to show you how we have kept it simple and manageable all these years, even through many changes in our income and family situation. Flashback to college. After several years of my […]

Filed Under: FINANCES & BUDGETING

5 Lessons I Learned Paying Off Debt– Guest Post by Krystal

January 16, 2017 by Stephanie 10 Comments

I have a special treat for you today!  You have all heard my family’s story of paying off debt (you probably watched it unfold here on the blog), but I’m excited to bring you a fresh perspective from a reader who also paid off loads of debt!  I am always inspired to hear other stories […]

Filed Under: DEBT, MOTIVATION

December 2016 Budget Update

January 9, 2017 by Stephanie 12 Comments

It’s time once again to make personal finance public as we share what we earn, spend, and save each month! Three and a half years ago we started sharing our family’s financial details to keep ourselves accountable and motivated as we paid off a whopping six figure student loan debt.  The feedback we’ve received over […]

Filed Under: Personal Finance Made PUBLIC

The FOUR Best Financial Moves We Made Last Year

January 3, 2017 by Stephanie 15 Comments

Happy new year friends!  I’m excited about the good things coming up in 2017 and will be talking about goals and plans soon enough.  In the meantime, I want to take a quick look back at 2016. We had a monumental year in regards to our finances!  Definitely a year worth celebrating!  It didn’t just […]

Filed Under: FRUGAL LIVING

November 2016 Budget Report

December 5, 2016 by Stephanie 6 Comments

For over three years we’ve shared our family’s complete, transparent finances.  A lot has changed in that time.  We started out with six figures of student loan debt and a much smaller income. Now that we’re done paying off debt, we’re focusing on saving for a house.  That’s a little daunting considering the house prices […]

Filed Under: Personal Finance Made PUBLIC

Frugal Feats Flops & Funnies– Road Trip Edition

December 2, 2016 by Stephanie 9 Comments

Usually I’m pretty good at getting prepared and packed for (and sometimes over-packed for) a road trip, but this time was slightly different.  It seems like I always have a hundred loose ends to tie up before heading out of town, but this time there must have been a hundred and one. Or maybe it […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

Are you giving your kids too many gifts?

November 30, 2016 by Stephanie 46 Comments

Is it possible to give too many gifts?  As parents, could you be over-gifting at Christmas time?  Will giving too much spoil your child or set a precedent you can’t keep up? For our oldest daughter’s first Christmas, like any new mom, I was eager to buy her lots of cute and fun things.  Of […]

Filed Under: FRUGAL LIVING, Holidays, SPENDING wisely, with KIDS

Is Blue Apron meal delivery service worth it?

November 21, 2016 by Stephanie 16 Comments

For those of you who haven’t heard of Blue Apron, it’s a meal delivery service similar to Plated or Hello Fresh.  The subscription service sends you the measured ingredients to make gourmet meals at home. As you can imagine, it costs more than your normal home-cooked meal.  When Blue Apron contacted me,  I was reluctant […]

Filed Under: FRUGAL LIVING

Frugal Feats, Flops & Funnies– Secondhand gifts edition

November 18, 2016 by Stephanie 12 Comments

Have you ever looked over your week and made an assessment of your frugal successes and failures?  Sometimes a thing or two might stand out without having to ponder too hard.  Other times you really have to think to come up with your frugal wins and flops. This week’s frugal line-up includes thrifty but thoughtful […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

New Van and Dashed Hopes– Frugal Feats, Flops, and Funnies

November 11, 2016 by Stephanie 13 Comments

It’s time to take a look at the week to see what frugal plans worked and which ones failed.  Ever since I started to share my frugal feats, flops, and funnies each week, it has made me even more aware of my attempts to be frugal. Being frugal isn’t just for people who are trying […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

Mending, Laundry, and Penguins: Frugal Feats, Flops, and Funnies

November 4, 2016 by Stephanie 16 Comments

Sometimes being frugal is hard.  Sometimes it’s easy, but either way, the feeling of accomplishment is there.  Whether it’s scoring a great deal at the store, avoiding a tempting purchase, or finding a creative hack to save big bucks, it’s fun to celebrate. Not everyone “gets” this frugality thing.  Sometimes celebrating a frugal feat or […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

October 2016 Budget Report

November 1, 2016 by Stephanie 10 Comments

Even though we’re done paying off our debt, we’re still keeping up with sharing our family’s real budget with real numbers and lots of detail.  It helps keep us accountable and on track as we tackle our next goals.  And since topics like income and budgeting can be pretty taboo, we like to break the silence […]

Filed Under: FINANCES & BUDGETING, Personal Finance Made PUBLIC

Say Yes to Free and Don’t Cut the Cord– Frugal Feats, Flops, and Funnies

October 28, 2016 by Stephanie 19 Comments

In the two weeks since I last reported frugal feats, flops, and funnies, we’ve had our share of frugal feats and flops.  Sometimes they’re funny, too, because it’s always nicer to laugh than cry! As always, please chime in with your own frugal feats, flops, and funnies so we can encourage one another in our […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

How I decided and prepared to stay home with my kids

October 24, 2016 by Stephanie

One of the biggest decisions you make when you first become a parent is whether you’ll stay at home with your children, or return to the workforce.  The decision is more complex than a question of finances, though money is undoubtedly a major, multi-faceted factor. Whether you should stay home or go back to work is […]

Filed Under: FRUGAL LIVING, with KIDS

3 Life Skills Your Kids Need to Learn Now

October 19, 2016 by Stephanie 10 Comments

It’s pretty safe to say that we all want our children to grow up to be happy, productive, successful contributors to society.  We want our kids to eventually be self-sufficient and leave the nest. Are we equipping them to do it well?  Are we teaching them the real skills they will need to be independent and […]

Filed Under: FRUGAL LIVING, with KIDS

Are Credit Cards Evil? Smart Reasons to Use Credit Cards

October 17, 2016 by Stephanie 32 Comments

I love getting questions from readers.  While I try to respond to each one, some do slip through the cracks.  When I get the same questions over and over, I know those are topics I need to write a blog post about. Today’s topic is one of those.  After they learn that we rapidly paid […]

Filed Under: DEBT, FINANCES & BUDGETING

Stocking Up on Cereal– Frugal Feats, Flops, and Funnies

October 14, 2016 by Stephanie 3 Comments

I love cold cereal.  I could seriously eat it for any meal. Back when we lived in town, I would combine coupons and sales to get cereal for great prices.  Now that we live in the boonies, I don’t use coupons anymore.  Shopping at a discount grocery store is the way I get cereal cheap. […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

My First Payday Loan Experience

October 10, 2016 by Stephanie 26 Comments

Growing up in the middle class, my most prominent experience with financial institutions was going through the drive through at the local bank with my mom. As a piano teacher, my mom received much of her income via personal checks that she would then deposit into her checking account.  I especially loved going through the outer lanes […]

Filed Under: FINANCES & BUDGETING

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