What Does “Enough Money” Look Like?

What Does “Enough Money” Look Like?

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Last night we met with our investor guy, to go over our investments and talk about buying life insurance (it’s time to get serious about that – there’ll be a baby here in December and we can’t put it off any more).

We chatted for more than hour about what sort of risk we could afford to take with our investments and how much insurance we could afford to buy. We talked about how much money we should be putting away at our age. (more…)

How to Audit your spending (& why it’s important)

How to Audit your spending (& why it’s important)

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Do you know where your money goes?

How often do we spend money on frivolous things without even considering that they are frivolous? Writing 10 Things I Quit Buying (to Save Money) really made me think hard about that. It didn’t take me long to come up with ten things I STILL spend money on that are “wants” and not “needs”.

Things that I over look in my spending regularly, just because I’m not being mindful enough, or because I’ve got a good “excuse” to buy them.

If I don’t even realize that the things I am buying are frivolous, how will I know where I can cut back if the need arises? I think it’s imperative that you are conscious of what you could cut out of your budget tomorrow if you were faced with a financial crisis, because financial crisis DOES happen.

Because I am committed to intentional living – actively deciding where I will spend my money instead of just letting it leave me – I wanted to see if I could justify these things I still buy even though they are unnecessary…  a self-audit. (more…)

Ways to Improve Your Credit – Without a Credit Card

Ways to Improve Your Credit – Without a Credit Card

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I have some thoughts on credit that need to get out of my head, following the weird popularity of the last credit card post I wrote.

Soooo… recently I wrote this post about how to get approved for a rewards credit card on a “low income”… and I have to be honest, I seriously hesitated to write it. Allow me to ramble here for a moment, before I get where I’m going. (Feel free to skip ahead if you just want the suggestions about how to improve your credit without a credit card. 😉 ) (more…)

Get Approved for Rewards Credit Cards: The Back Door Trick

Get Approved for Rewards Credit Cards: The Back Door Trick

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YAY for rewards credit cards!

So I’ve written about travel hacking, and about why I’m not afraid of credit cards. By now you know that I actually love my credit cards. And you know that I think you should probably learn to love credit cards for their rewards value as well.

Just apply for them and get approved and start loving them!

But, not always that easy right? (more…)

Is Someone Else Telling You How to Spend Your Money?

Is Someone Else Telling You How to Spend Your Money?

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Beware of Advertisements

My mom taught me something that has stuck with me my whole life. (Well, my mom taught me a million things that have stuck with me my whole life. So that’s a pretty vague opening statement.) I’ll try again.

My mom taught me to be distrustful of ads, and in doing so she gave me the greatest money saving wisdom I could ever imagine.

She used to say, when advertisements came on or were displayed in a magazine, “Look at how they’re trying to sell this to you. Notice how they use words that are implying something, but not guaranteeing anything“. And man was she right. Marketing is huge business. (more…)

Why We Aren’t Afraid to Use Credit Cards

Why We Aren’t Afraid to Use Credit Cards

Credit cards get a bit of a bad rap in the personal finance world (I suppose for not entirely un-justified reasons), but (just maybe) it could be time to re-evaluate your relationship with credit cards.

But first of all…

If you have lots of consumer debt or if you can’t walk past a cute purse or awesome pair of jeans without pulling out your card, then this post is NOT for you. KNOW THY-SELF. A HUGE step in the direction of intentional living… know yourself. Be unwavering about what is ok for you and what is not, regardless of what anyone else recommends. I wouldn’t watch a horror movie or an episode of Bates Motel, not even for a thousand bucks. I know myself, and If I know something is going to be massively detrimental to me I stay away from it. (I’m getting off the soapbox now.) Credit cards can be your best buddies, but they are fickle buddies – they’re only good to have around if you are in control of your money! (more…)