It’s time to be accountable and look at what we earned, spent and paid in debt during November. Our spending numbers look high compared to any other SixFiguresUnder monthly budgets, but looking back at it we don’t have any big regrets. We spent the month being extra grateful for all of our many blessings. It […]
Get YNAB for $30– For Yourself or as a Gift!
If you’ve been reading Six Figures Under for any length of time, chances are good that you’ve heard me rave about YNAB. YouNeedABudget (YNAB, pronounced “why-nab”) is not just the best budgeting software, but it’s a 4-rule method that will rock your financial world! Get YNAB for $30 Now!! If you haven’t bought YNAB […]
Get $200 when You Open FREE Accounts at Capital One Black Friday Weekend
If you haven’t opened a free Capital One 360 Savings Account and free Capital One 360 Checking Account, now is the time to do so! For Black Friday weekend, they are offering some great bonuses! Both their checking and savings accounts are free, so you’ve got nothing to lose. I have had a Capital One […]
Do You Have a Black Friday Budget?
Will Black Friday make or break your budget this year? When you stick to a budget and a well thought out plan, Black Friday can be a great time to save money. When you hit the stores without a budget or plan, Black Friday can be a financial disaster. Which will it be for you? […]
Can You Be Thankful For Debt?
It’s easy to be thankful for the good things in our lives. That comes pretty naturally for most people. What requires more thought and builds more character is figuring out how to be grateful for the not-so-good things in our lives. Years ago, I read an unconventional gratitude list that really made me stop and […]
Great Ways to Earn Extra Money This Month
There are countless ways that you can earn money on the side but many of them take time or money to build up. Sometimes you have to wait months or longer before turning a profit. For example, starting an Etsy shop is a great way to generate an income, but it takes time to get […]
Our Freezer Nightmare: A Cautionary Tale
This post was supposed to be published on Halloween because it’s kind of scary and gross. Don’t say I didn’t warn you! About a month ago I sang the praises of our deep freeze. I shared the many different foods the you can freeze. Apparently many of you love using your freezers too because that […]
October 2014 Debt Repayment Progress Report
October flew by! I had a special post planned for Halloween, but getting the family all costumed took precedence. I’ll try to get it up later this week, so stay tuned for a scary story. In the mean time, here’s our report of what we earned, spent and paid in debt during October. Debt Repayment […]
Why We Give Away 10% of Our Income Even Though We’re in Debt
If someone gave you $1,000 and then asked for $100 back and let you keep $900, would you accept the offer? I know I would. That’s how I feel about tithing. Of all the personal things we share at Six Figures Under, the topic that has brought the most criticism and concern from readers is tithing. I’d […]
Using Credit Cards on a Zero-Based Budget: Credit Cards with YNAB
Does using credit cards on a zero-based budget seem like an impossibility to you? It did to me at first, too. I thought you had to use a cash envelope system to make a zero-based budget work. As it turns out, credit cards work extremely well with our YNAB zero-based budget. In fact, it’s probably […]
2014 Garden Report– The Year of Guilt and Gratitude
Last year at this time I shared my gratitude for our bounteous harvest. I made a pretty thorough list of what we planted, how it fared, and what we did with it. Looking back, I’m quite impressed. In other posts throughout the year, I shared 10 reasons to grow a garden and our our favorite cost effective […]
Why We Chose Income Based Repayment (IBR) For Our Student Loans
With more than 70% of all students graduating college in debt, choosing a student loan repayment plan is as much a part of the graduation routine as ordering your cap and gown. I often get email inquiries about the various student loan repayment programs as graduates are trying to plan their future with student debt […]
Debt Recidivism: Make a Plan to Prevent Getting Back into Debt
Has your debt made you feel like a prisoner? Do bills and budgets seem like bars and barbs that prevent you from enjoying life? Do your options and freedom feel limited because of past poor choices? While it can be overwhelming and discouraging, debt doesn’t have to be a life sentence. With hard work, dedication, and […]
6 Smart Ways to Prevent Buyer’s Remorse
Have you ever returned home from a shopping trip with that uncomfortable feeling that you spent too much? Or maybe you’ve felt sick about buying something on a whim that wasn’t at all what you thought it would be. For me it often happens when I shop for gifts. What seems like a great gift […]
September 2014 Debt Repayment Progress Report
I love the accountability that sharing the details of our personal finances provides. I was a little nervous when I started posting our financial details for the world to see, but my readers have been gracious and kind. I’m so thankful to have encouraging readers who are not overly critical or judgmental. Without further ado, […]
Can You Freeze THAT?
Earlier this month, I found an awesome deal on shredded cheese. An 8 ounce bag was $.87, for a total price of $1.74 per pound! The catch was that the “sell by” date was just a few days away. Without a second thought, I loaded my cart with about 10 lbs of cheese. (And don’t worry, I […]
Why I don’t say “We can’t afford that.”
With a budget like ours, you might think that we would say that we can’t afford a lot of things. While we talk openly about our limited finances, you won’t hear me say that I can’t afford something. The phrase “I can’t afford” has always been an awkward one for me. I avoid saying “I […]
Saving Money On Food By Buying Ingredients and Cooking From Scratch
Every month when I share the ins and outs of our family’s finances, people are surprised at how little we spend on food for our family of five. Our goal is to always stay under $300, which we have done every month except January ($317). For the past 8 months (Jan-Aug 2014) the average amount […]
Let’s Talk About Interest
I was probably a teenager when I first heard J. Reuben Clark’s classic explanation of the power interest has on those in debt. I remember the uneasy feeling I had. I caught a glimpse of the bondage of debt. I wanted to do whatever I could to avoid having interest as my constant companion. “Interest never […]
Homemade Bagels Step-by-Step Tutorial
I have always been intimidated by the idea of making homemade bagels. Fresh-made bagels from a specialty shop are so delicious, that I figured I couldn’t even come close at home. I knew that their were several steps and some unique techniques, so I thought it was something that would be easier to see done […]
August 2014 Debt Repayment Progress Report
You may have noticed I’ve been a little off my normal schedule these past couple of weeks, so posts aren’t on their normal days. Thanks for your patience while I get my ducks back in a row! Debt Repayment This month we paid $1340 toward debt. This was smaller than we had hoped because our […]
3 Ways Our Budget Can Handle Unexpected Expenses.
Budgeting is a big deal when you’re working on taking care of big debt. Since we switched to YNAB (YouNeedABudget, for long) our budget has never been healthier. We’ve learned to effectively budget down to zero, to maximize our debt repayment and to live on last month’s income. A robust budget should be able to handle unexpected […]
Debt Fatigue: Getting Out of a Debt Payoff Funk
I received an email from a reader this week who after 3 months of intense debt payoff is facing some debt fatigue. She and her husband have made great progress and only have about 8 months to go, but are still struggling to stay positive. Here’s her question: After your first year when you paid so […]
My First Interview
I have a surprise for you today! Instead of my normal post, I want to share with you my very first interview. Instead of reading, you can listen! A couple of weeks ago, Ingrid Talpak contacted me and asked to interview me for her WebTalkRadio show Living With More Style than Cash. The idea was […]
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