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Being frugal means being flexible
Over the weekend, I posted my goals for November. In summary, I planned to pay off the entire remaining balance on my credit card and finish half of our Christmas shopping without reducing the amount...
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Starting the new year credit card free!
photo by b.franchina This morning I sent my final payment to American Express. We’re officially credit card debt free!! In the past year, we’ve paid off almost $5,000 in credit card debt. I’m pretty...
View ArticleResolutions for another frugal year
I’m so excited about the year ahead! For the first time, I feel like I’m looking ahead with a clear set of goals and the resolve to actually achieve them. In the interest of keeping myself honest,...
View ArticleA difficult decision about student loan repayment
Once we became credit card debt free, we had an extra $200 a month available. We decided to put some of that money toward retirement savings every month, so we only have $100 left to work into the...
View ArticleMy biggest financial mistakes in college & what I learned
Now that I’m frugal, it’s hard not to look back on the choices I made in the past with regret. Luckily, I came to my senses pretty early in life. I could have done a lot more damage throughout my 20s...
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Why I’m using credit cards again
Tony and I have been credit card debt free since January of this year. But for the past couple of months, we’ve started using our cards again every month. Don’t worry, it’s not what you think. We...
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Should we pay off all debt before buying a home?
We’ve been doing some big planning again for the future. That’s always dangerous. :) But lately, we’ve been talking about a timeline for becoming homeowners. The closer Tony gets to finishing school...
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Why we chose to let debt-free living wait
Update: I just wanted to clarify something. We are currently repaying our student loan debt slowly but surely. Our loans are not in forbearance. We just aren’t focusing our efforts solely on debt...
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Why I’m a money multitasker
Last week’s post about holding off on paying down debt sparked a little controversy in the comments. I wanted to clarify some of my views, because there seems to be some confusion about my financial...
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Is college worth it?
Lately, there have been tons of headlines touting the idea that rising unemployment, high tuition costs, and overcrowding in the post-college job market have made college degrees a poor value....
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