The Debt Shovel

Key Takeaways  How we take on debt and how we pay it back can be a bit of an intangible concept. When you initially take on debt, it’s tax free, but when you pay it back, it’s with money after tax, and that means it takes more of your income to pay that debt back […]

The Debt Free Top 10 List

Key Takeaways To take care of your debt, it’s important to have a debt-free mindset. There are many ways to help yourself either stay out of bad debt, or help you get out of debt, but there’s no quick fix.   When David Letterman was on Late Night, he had this Top Ten list, which […]

Keeping Your Finances in Check

Key Takeaways It’s important to check in on your finances on a regular basis. There are three main areas to examine when you’re doing this. If you’re not sure how to start, try using a 30/60/90-day sheet.   Last year, we had a blog post on the Frugal February Challenge. Whether or not you participated, […]

Reducing Debt to Retire

Key Takeaways You may start to feel you’re ready for retirement when you’ve “had enough.” But what do you do if you don’t “have enough” for retirement? Here are five actions you can take to help you reach your money goals so that you can retire. For some people, knowing when to retire comes with […]

Pay Extra Towards Your Mortgage OR Put More Towards Your Savings

Key Takeaways Financial peace of mind holds a lot of importance for people, but can come in different forms. A common question in the financial world is whether to pay off a mortgage or build up savings. There are both subjective and objective answers to this question. If you were to ask people what their […]

Pay Down Debt and Build for Retirement

Key Takeaways In your 30s, there are three important things to do with your money that will help you in the long term. Paying down debt and building your retirement savings are key goals. Set some time aside every March to see where you are with these goals. “If you find yourself in a hole, […]

Responsibility with Credit Cards

Key Takeaways It’s a commonly held myth that having a lot of credit cards hurts your credit score. How you use your credit is what affects your credit score. Make sure you know your utilization rate and that you’re responsible in your spending when it comes to your credit cards.

Blissfully Married

Key Takeaways For many reasons, getting married is a huge life transition. Combining incomes and budgets is a major part of that transition. Make sure you communicate with your future spouse about your spending strategy – and avoid the stress that can come from keeping money a taboo subject!

Using Your Budget to Get to Your Happy Place

Key Takeaways Structure can bring us happiness. Structure in your budget can help you spend on what makes you happy. You don’t have to spend a lot to take you to your happy place.