More often than not, the clothes we buy for our kids are secondhand clothes. As long as they are in good condition, they fit well, and we think they are cute, we have no problem with used clothes. You can call them "pre-owned" or "pre-worn" if it makes you feel better. Here are six of the reason why we buy kids clothes secondhand. 1. It's waaaay cheaper. Between thrift stores, garage sales, consignment sales and swaps (just to mention a few), there are plenty of ways to get kids clothes ... read more
Is Santa Shooting You in the Foot?
Oh you better watch out... and I'm not talking about being naughty or nice. I'm talking about raising kids. Is Santa helping or hindering your parenting goals? Is Santa over-stepping his bounds? Is Santa shooting you in the foot? Ever since having kids I have wondered how to work the whole Santa thing. Here are a few values I want to instill in my kids that Santa just may be thwarting: Honesty Am I the only one who feels bad about fibbing to my kids about Santa (or the Tooth Fairy, for ... read more
Dealing With Discouragement: A Debt Discussion
Dealing with debt is often a long road filled with ups and downs. Reaching a milestone, sticking to your budget, resisting temptation, or earning some extra income are all reasons to smile and celebrate. We also all have times when we feel discouraged and wonder if we will ever get out of our current situation. How you deal with your discouragement will significantly help or hinder your progress. I probably don't need to outline the ways that discouragement can hinder your progress, so ... read more
Why We Decided Against a “Baby Emergency Fund” (and what we have instead)
If you've done any reading in personal finance, the idea of an emergency fund isn't new to you. Having money set aside for a rainy day is not a new concept. Ever since we were first married and started budgeting, we had had an emergency fund. When an "emergency" came up, in most cases, we were able to pull money from other sources and not use our emergency fund. We wouldn't let ourselves touch that money except in absolute emergencies. In the spring of 2013, I first read Dave Ramsey's ... read more
🍅Homemade Tomato Sauce from Tomato Puree 🍅
Now that you know how to increase your tomato harvest by ripening your green tomatoes indoors and you know the easiest way to can your tomatoes, I promised I would share what to do with your canned tomato puree. We use our home-canned tomato puree to make tomato sauce for spaghetti, for pizza, for lasagna, and more. We never buy spaghetti sauce from the store. We also use tomato puree to make tomato soup, but we'll save that for another day. There are many different variations, so I'll ... read more
Myths of the Minimum Payment– A Debt Discussion
Are you only making the minimum monthly payments toward your debt? Let's look at a couple of the Myths of the Minimum Payment that might motivate you to do at least a little bit more! We'll discuss in the comments below. Myth #1-- You will never pay off your debt if you pay just the minimum monthly payment. This used to be true. Credit card companies used to charge such low minimum monthly payments that the payment wouldn't even cover the interest. None of the payment went to ... read more
November 2013- Debt Repayment Progress Report
Our November numbers are not terribly impressive considering our goal. On the other hand, looking at the image above makes me excited that by this time next month we'll no longer be six figures under, and we will have reached $40,000 in debt paydown. Debt Repayment In November we put $1200 toward debt. It's a slow etsy season, so side income was really down this month. We're still going strong though. Income Regular: $3,174 (after taxes) Etsy: $193-- This is the lowest month in the ... read more
Get Over $200 Without Leaving Home (Best Black Friday Deal for sure!)
UPDATE: The Black Friday promotion has ended, but you can STILL follow the link to get a $50 bonus on a checking account, $25 bonus on a savings account, and $25 bonus on kids accounts. I have had a Capital One 360 account for nearly a decade, since back when they were ING Direct. I have loved having a completely online account. It really makes life simple. If you don't have a Capital One 360 Checking or Savings account yet, TODAY is the day to get one! With their Black Friday Deal, ... read more
How’s Your Plumbing? A Discussion on Debt
Welcome to the weekly Wednesday Debt Discussion. In case you missed it, last week we talked about the pros and cons of disclosing debt. It was great to hear everyone's take on making debt personal or public. Imagine you are sitting at the table having a nice conversation over dinner. All of the sudden you notice the floor under your feet is all wet. In fact, the entire kitchen floor is covered in an inch of water which appears to be rising. What is the first thing you do? Do you run ... read more
5 Tips to Get the Best Bang for your Gift Card Bucks
Between Swagbucks, MyPoints and our credit card rewards programs, we have lots of opportunities to earn gift cards. While some people consider gift cards "free money," around here we use gift cards just like we would hard-earned cash. We stretch them as far as they can go. Here are some tips to help you do the same. Choose your gift card wisely Which cards are the best bargain? For example, on Swagbucks, the $5 Amazon gift card is 450 points. All other $5 gift cards are 500 points. ... read more
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