Debt Repayment At the beginning of each month we estimate a preliminary debt payment, leaving enough to cover our estimated expenses for the month and a cushion for unexpected expenses. Usually that’s at least $1,000. Then, at the end of each month, we take whatever is left after actual expenses and make a second student […]
Saving Money with Alternative Housing Arrangements
When you are getting serious about paying off debt (which we are, in case you’re new here), you are willing to make sacrifices that you otherwise wouldn’t make. What each individual or family is willing to give up is different. That is fine! Some of the ideas I’m going to share may sound a little […]
How to Make Razzleberry Jam
Around here, wild blackberries abound. They are thorny, but they’re free! Pull over just about anywhere and you can help yourself to delicious, flavorful berries. To preserve your skin, you’ll to wear long sleeves, but not your favorite shirt because blackberries stain! We’ve gone the free route many times, but now we we are lucky […]
Being Happy On Any Income
We’ve all heard that money can’t buy happiness, but do we believe it? It’s easy to imagine how money could solve our problems, especially when we’re talking about debt, but is money a requirement for happiness? Can we be happy on any income? My belief is that we really can be happy no matter what […]
Living on Last Month’s Income
One of the major changes we made to our budgeting strategy after learning the YNAB method was “living on last month’s income.” And boy has it been a game-changer! What is living on last month’s income? In traditional budgeting methods, people assign amounts to spending categories according to the money they expect to earn that […]
Republic Wireless Experiment and Review– Finding the Most Frugal Phone
As I was writing about my experience losing my cell phone and looking for comparable rates for replacing it, I got thinking more about the options. In order to share the two best candidates I found, I went through the same research I had done months ago. The more I learned about Republic Wireless, the […]
How to Get Started Paying Off Debt
I often get emails from people who are finally ready to face their debt but don’t know where to start. Here’s a quick one I received from a reader recently. I really need your help and advice. We are in debt and it seems to be growing. We are struggling to make it every […]
How Menu Planning Saves Money
One Friday not long ago I glanced at the clock and saw that, once again, dinner was half an hour away and I had no idea what to make. A search of the cupboards and refrigerator was uninspiring. Every idea I thought of would require more prep work that I had time to do or […]
My Favorite Cash Back Sites and Apps
I mentioned to my brother that I would be posting about cash back sites and apps today. He’s generally pretty savvy, so I was surprised that he didn’t know about any of these cash back programs. If you didn’t know you could get cash back on nearly every online purchase and some in-store purchases too, don’t […]
Public Service Loan Forgiveness– Risks and Considerations
If you have student loans and have considered working in the public sector, you’ve probably heard about Public Service Loan Forgiveness (PSLF). When you see your loan totals upon graduation, loan forgiveness may sound like a wonderful prospect. It may even sound to good to be true. Take a good look at these risks and considerations […]
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