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Debt Payoff Progress: On Target With the End in Sight
With another month in the books, it is time to take a look at our finances to see how we have been progressing with our debt payoff goals. For those of you who haven’t been with us from the start,...
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Dear Diary, There’s Been A Change Of Plans…
If you’re a regular reader of ours, you’ve probably noticed that we’ve been missing in action the last several days. The skinny; we’ve been busy. The chubby; all three of the kids have been sick and...
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Shortcuts to Financial Freedom
There is no doubt that our push towards financial freedom has been a loooong and sloooow churn. It is funny how our debt can seem to accumulate so quickly when our broken appliances needed to be...
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What Does Payday Mean to You?
There are many ways to measure our time on this planet: year by year, month by month, iPhone by iPhone. For many folks, the true measure is actually paycheck to paycheck. Recent studies show that...
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Budget Opening Up
When we first started this blog back in January, we were in quite the financial pickle. We owed a lot of money to a lot of different places, and the amount of money that was going to interest each...
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Five Ways to Drastically Improve Your Cash Flow Today
When you make the commitment to get control of your finances, one of the first things that you have to do is to take a no-holds-barred look at your budget. When we did this, we found that we had so...
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Pay Off Debt–Get Rock Hard Abs!
It’s weird how when you clean up one area of your life, everything else seems to fall into place. Since the beginning of our personal debt-chasing process, Jeff and I have noticed something quite...
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How to Stop Biting Your Nails
My name is Jefferson, and I am a nail biter. Gross, I know. Seriously, I can’t remember the last time that I had to clip my fingernails, going all the way back to my childhood. I don’t know why I have...
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How to Handle an Epic Failure
A few months ago, I wrote about my goal of losing some weight and getting down to below 200 pounds. I decided to motivate myself by taking a purchase that I really wanted to make, and then only...
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The Tortoise and the Hare
What a long and strange trip it has been, friends. In January of 2012, we were living paycheck to paycheck, stuck in a cycle where the majority of our paychecks were being eaten by our debt...
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Look at me, I’m debt free!
Late last week, we sent in the final payment on our zero-percent-interest Discover credit card, officially dropping our total credit card debt to zero. This payment was just like the hundreds of...
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Life After Debt — Where Do We Go From Here?
Hi, friends. I’m Kathleen, and my corner of the internet is FrugalPortland.com. Come visit me, it’s fun over there! So, you’ve decided to pull your head out of the sand, and take a long, hard look at...
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Taking the First Step Towards Debt Freedom
It wasn’t all that long ago that Michelle and I had over twenty thousand dollars in credit card debt. During the years that we lived in that reality, I did my best to pretend like the debt wasn’t...
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Budget Like A Rock Star
Thanks to the celebrity-obsessed media, we constantly hear stories of professional athletes who squander their bloated salaries, lottery winners whose winnings are spent before they’re even counted,...
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Teaching Kids About Money
The following is an excerpt from the eBook “The A-to-Z of Saving Money”, which features 26 amazing articles by some of the best bloggers in the business. This book is now available for the new...
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Strategies to Avoid Slipping Back Into Debt
For a couple that recently paid off a giant pile of consumer debt, the months after reaching zero can be a bit of a dangerous time. The time that we spent in full-on debt reduction mode was filled...
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Budgeting Challenges : The Variable Categories
Broken down to its essence, creating a budget is not a difficult thing to do. It is simply accounting in its most basic form; add up your debits (income) and credits (expenses), and subtract the...
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Using Credit Cards (Like a Fool) Can Help Your Credit Score
An Unsustainable Path It wasn’t long ago that I truly believed that having credit card debt was normal, and that I shouldn’t worry about owing a few (or twenty) thousand dollars to Citibank, Chase,...
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How We Got Into Debt
You often hear talk in the world of personal finance blogs of that “rock bottom moment” when you realize that you need to get serious about your finances. For us, a difficult year was spiraling out of...
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It All Starts With Emergency Funds
When we first began our journey out of debt, we had no clue how to get started. So we decided to read every book, magazine, and website that we could find on subject, looking for common threads. The...
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