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Peer Pressure and Debt

Whew, is it getting hot in here? For some reason, the past two days was a huge day for financial peer pressure. It just seemed like everywhere I went, there was some example about how our family isn’t/wouldn’t/won’t fit in because of some of the financial choices that we are making. Our biggest long-term goal is to completely get out of debt, including our house and to start to build wealth so we can give generously. At the moment, we are far from this goal, but making progress. We have no debt, other than our house, although that debt is … Continue reading →

Protecting Yourself from a Debt Relief Company

If you are seriously in debt, you may need the help of a debt relief company. These companies promise to get the creditors off of your back, negotiate for you, act as a shield of protection, and guide you to the right way to pay off that debt. Unfortunately, for a majority of these companies, the real goal is to scam you out of any remaining assets that you might have. Here is what you need to know and need to look for in a debt relief company, in order to protect yourself. First of all, why would these companies … Continue reading →

Understanding How You Got Into Debt

For most of us, debt comes softly. Bills sort of sneak up until you are left wondering what happened. Understanding how you go into debt is very important. This understanding will not only help you to get back out of debt, but it will also help prevent you from getting back into it. Try to trace back to a time when you weren’t in debt. What was different? Have you always been in debt? What did you learn about handling money from your parents? Common causes of debt include spending more than you make, or overspending, a sudden or unexpected … Continue reading →

Excuse Me, Are These Melons Ripe? Grocery Shopping with my Husband

Flirting with your husband in the produce department while grocery shopping may not seem like your idea of a date, but when you are saving toward a healthy emergency fund, a discussion about fruit may be some of the sweetest words you’ll hear. My husband and I had gotten in the habit of a monthly lunch date, on a Tuesday or Wednesday, when all three children are in school. We only have about a two-hour window of time alone, but this was usually sufficient to have a nice lunch and catch up without being interrupted by little people needing this … Continue reading →

Getting too Used to the Good Life

We have been without our main car for a week now, and we still have another two weeks to go before we get it back. Meanwhile, we are driving our oldest vehicle, a 1998 SUV, and driving it only when we have to. It has been an adventure. With one car seat and two booster seats in the back, the car is cramped, and someone always seems to wind up with an elbow in the eye or a foot in the back. The air conditioner is loud and noisy and only cools the car if the temperature is below 80 … Continue reading →

Keeping House When Life is Busy

You know you are busy when you forget to eat. I come from a long line of Italians. Eating is ranked just below breathing. Someone is considered too skinny and near death if their pants size falls below two digits. So you can see that things have come to extremes in our household. My husband has a full time job with several important projects. He is also working on finishing our basement work as a freelancer and have taken on many extra hours in the last two month, partially from the needs of my clients and partially from our goal … Continue reading →