About a month ago, I wrote about six kitchen appliances that save us money. One of them was our rice cooker. We’ve been using it for years and love it! The reason we love it and rely on it so heavily is because neither of us can make rice turn out right. Well, after that […]
Giving Unsolicited Financial Advice
When it comes to topics like politics, parenting, and finances, we all have at least two cents to share. Depending on our experience and personality, we may have a lot more to contribute. While many people, my husband included, wait for others to ask for their advice, others feel compelled to share without an invitation. […]
Receiving Unsolicited Financial Advice
I have frequently been on both sides of unsolicited financial advice. I’ve given unsolicited tips to others that I thought could use them. I’ve also had others share their unsolicited financial advice with me, sometimes in a way that I appreciate and sometimes less so. Today let’s talk about receiving unsolicited financial advice and next week […]
7 Ways to Save Money on Groceries WITHOUT Using Coupons
During law school, I discovered coupons and used them faithfully for a couple of years. We are still using the toiletries that I stocked up on 5 years ago. Now that we live in the boonies, I don’t do any more couponing. I just make a monthly shopping trip to Grocery Outlet, Sam’s Club and Winco. […]
Is a Sam’s Club Membership Worth It? (And what’s the kicker for us?)
In one of our first monthly debt repayment updates (where we show exactly what we earned, spent, and paid on debt), I mentioned that the $244 we spent for groceries that month (yes, for the entire month for our family of 5) consisted of only 3 transactions: Winco, Grocery Outlet, and Sam’s Club. I knew from […]
Yours, Mine, and Ours: Debt in Marriage
Before I was married, I never gave much thought to debt in marriage. I didn’t have any debt, and I just expected I would marry someone who didn’t have any either. I figured I would marry someone who was wise with his money, like I had been with mine. That just happened to be the case. […]
Our Favorite Cost-Effective Vegetables to Grow
My husband grew up eating from his family’s large garden. Since we’ve been married, we have grown at least something every year, but most years we’ve had a full-blown garden. We plant all sorts of different vegetables and try new things each year. We grow some vegetables because they’re fun. Take carrots, for example. My […]
What We Learned from Using a Balance Transfer to Pay Off Student Loans
About a month ago, I wrote an overview about using credit card balance transfers to help you pay off debt. If that’s a new idea, you’ll want to read that post first. I want to share our personal experience with using a balance transfer to pay off student loans. Last July, we used a credit card balance […]
Budgeting Every Penny– How zero-based budgeting helps us pay off more debt
One of the problems with our previous budget was the inability to budget down to zero. We had categories with a set amount to spend, but there wasn’t a good way to deal with being over-budget or under-budget in a category and we were never quite sure how much we had leftover that we could […]
April 2014– Debt Repayment Progress Report
Debt Repayment If you’ve been around Six Figures Under lately, you know that we had a No-Spend Month in April. Not spending anything on food, household, clothing , entertainment or anything else extra paid off. We put $2,032 toward our law school debt this month! That is 57% of our income for the month (income we earned […]
Debt Detox– A discussion on Debt and Dieting
When I was writing Monday’s post about saving money by having a no-spend month, I couldn’t help but think about how it sounded like a popular cleanse diet. You know, the diet where you only eat or drink [fill in the blank] for an entire week in order to rid your body of toxins. I’ve never tried a cleanse […]
Does a No-Spend Month Really Save Money?
When we had our first no-spend month last year, my brother asked me “Wouldn’t a no-spend month just cause you to spend more money next month because you’ve exhausted all your resources?” With some self-control, a decent food storage, and a regular habit of stocking up on essentials, a no-spend month really will save you money. […]
Make Money Selling Patterns on Craftsy– A passive income stream possibility
You may have noticed that I love to sew and create things. For years I have been thinking about selling patterns of some of my designs. I have a whole list of patterns that I plan to create. It’s just a matter of finding the time (preferably in longer than 10 minute intervals) to write […]
Debt in Hindsight: What Would You Do Differently
Welcome to the Wednesday Debt Discussion at Six Figures Under. I started these Debt Discussions based on my philosophy that when burdens are shared, some heartache is spared. As usual, all are welcome, whether you are debt-free or weighed down heavy with debt, though I’m specifically addressing the latter. They say that hindsight is 20/20. […]
No-Spend Month Update– Easter Edition
I hope you each had a happy Easter! We enjoyed beautiful spring weather while celebrating the most significant event in the history of the world! April has flown by! We’re starting the last week of our No-Spend Month! So far our no-spend month is going as planned. Our debt payment this month should reflect this sacrifice. […]
6 Kitchen Appliances That Save Us Money
Many frugal people are also minimalists. In some ways we are minimalists, but when it comes to kitchen appliances you might think otherwise. While some people avoid kitchen appliances that take up space and only perform one function, we have found that many of those kitchen appliances save us money. They are worth their space […]
The Formula for Financial Freedom
Believe it or not, the answer to getting out of debt, saving for the future and any other financial goal is the application of the same formula. Live on less than you earn The most basic rule of personal finance is to live on less than you earn. For some it’s intuitive, for others it […]
No-Spend Month Menu
I’ve had some inquiries as to what our menu this month looks like. The funny thing is, our no-spend month menu doesn’t look too different from our menu in a regular month. We regularly feed our family of five on less than $300 each month. Much of our food budget is used to stock up. […]
Mock Lasagna– Frugal Dinner Recipe
Mock lasagna is a dinner our whole family gets excited about. Mock lasagna is delicious like lasagna, but is much simpler to make and is easy to make in large quantities. My mother-in-law came up with the recipe years ago when her six children were young. Now it’s a tradition that her grandchildren are […]
Can’t or Won’t
Over the last few weeks, my kids have started claiming “I can’t” as an reason for not doing something they don’t want to do. They know that an outright refusal won’t go over well, so they give the ever-lame excuse “I can’t.” I called them out on their laziness and told them they can do it, […]
No-Spend Month Update
We’re one week into our no-spend month and things are going fine. When I announced that in April we would be having a no-spend month, I was excited that some of you wanted to join in or follow along. I am eager to hear how you are doing! Honestly, I wasn’t sure what documenting my […]
March 2014– Debt Repayment Progress Report
Debt Repayment Now that we are using YNAB and living on last month’s income, it’s so much easier to make sure every dollar has a job. At the beginning of the month we took all the money we had earned in February and assigned it to our budget categories. We put $1,200 toward our debt […]
Green Smoothies WITHOUT an Expensive Blender
When I went to a class all about making green smoothies last year, I was inundated with ideas for getting my family (myself included) to eat more veggies. Suddenly there were all sorts of possibilities for using leafy greens and other vegetables we had never used before. We sampled many different combinations and each one […]
Is it Safe to Use Balance Transfers in Debt Payoff?
Are you ready to learn the good, bad and the ugly about using credit card balance transfers in your debt payoff? Is using a 0% APR Balance Transfer worth it? Let’s talk about what a balance transfer is and how some people leverage balance transfers in their debt payoff. Then we’ll look at what the catch […]
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