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The “joy’s” of Insurance in your budgeting plan
I’ll be upfront and honest, I am certainly no expert on insurance but I would like to share my personal experiences, especially with the Obama medical law that each of us must have insurance or risk...
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What is right for you?
For the past couple months my daughter (who is about 14 months old now) has been perfecting the art of walking. During the initial stages my family gave plenty of advice on how to assist her in this...
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Do what you must
This blog post is titled “Do what you must” however it really needs the side note of “Within reason.” With large amounts of debt, bills, or just a poor situation all around, going to the extreme to...
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Even the best of us makes mistakes
It seems pretty self explanatory that when it comes to budgeting you need to think ahead. Sometimes however, we forget this most basic concept and suddenly find ourselves wondering “What was I...
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Don’t be afraid to downgrade
Over the years I have had to downsize or downgrade for one reason or another, most all of them financial in nature. Yesterday we downgraded once more, by trading in my beloved Chevy Traverse (An SUV...
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Time For A Change?
Changing jobs or choosing to become unemployed is a terrifying decision no matter who you are or what your financial obligations may be. When I became pregnant – just after purchasing a home when we...
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Tax Refund Anybody?
The year of 2015 meant a good tax return season for my husband and me. We had a house we have been paying interest on and we had a baby in 2014! Means tons of a return right? Maybe… But this post isn’t...
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How to Be Stress Free
Daily life, budgeting, home, work, kids, dinner. It all adds up and by the end of the day we can be stressed to a point of burning out and giving up. Yet as adults we can’t very well do that, we can’t...
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Expand those Taco’s! Or Nacho’s!
There are oftentimes when I find that I just don’t have enough meat. Especially for those meals where the entire course is basically the meat – Like beef tacos. There are plenty of ways to expand on...
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Building Credit when starting out
When I first started out on my financial journey I learned about the most basic necessities. One was of course the difference between a checking and savings account, then of course about building...
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Take a look
Early in our relationship, my husband began to note that I often stated what I wanted. “I want a house, I want a baby, I want a new car” was the mantra I often said when I stopped to look around at...
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Know Thy Enemy: Debt
Keep your friends close and your enemies closer. Know thy enemy is the basic concept of this saying, if you know your enemy you are better able to strategize a counter attack and have an increased...
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Balancing your Checkbook
Balancing a Checkbook can be frustrating at times. Depending on the method of balancing, it can either be a chore or a quick and easy process. Truth is, if you add your receipts into the checkbook at...
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A Budgeting tip: Laundry
Making everyday life more efficient is one of the best and easiest ways to save. My quick tip of the day is in regards to Laundry. Normally when I wash my clothes, I throw in a wad and try to balance...
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Budgeting for entertainment: Television and Internet
When you’re on a tight budget you find things to cut out. For my husband and I those things were television and internet. With the purchase of our home in July 2013 we found that despite having a bit...
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Make it last and do it yourself!
When I look across the internet for specific recipes I oftentimes come across the ‘do-it-yourself’ ones. Which overall tend to be more cost effective then going out and buying the same product. Now...
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Beware of Automatic Payments
Automatic payments can be very helpful in a lot of ways. You never have to worry about a missed payment for one, so long as you always have the money in the bank, you’re good. I never had been a big...
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A Baby: Surprise!
My husband and I decided we wanted to have a baby. Okay, so I decided my biological clock was ticking and I needed to be pregnant – if we were to have a family at all – by age twenty six. Why twenty...
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Beware of Service Contracts
When I talk about service contracts I more mean those services you receive that always require a long term commitment – like your cell phone bill or your internet, maybe television. It is always handy...
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Time to Update your Budget?
It looks like I’ve somehow missed a couple weeks of posts! But that’s OK, I’ve great reason to have missed some posts and I’ve decided to post an update. If you remember my previous post, Financial...
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