Archives for January 2013

Redecorate for Zero Dollars

Redecorate for Zero Dollars

This post was written by my lovely wife, Michelle. Thanks sweety! Jake’s been talking a little about our “Redecorate for Zero Dollars” series.  So here’s a little intro: This seriously all started with my Naked Lady Party.  We had a lot of left over clothes so I went to a local thrift shop to donate them.  I decided to take a quick peek inside, looking for potential treasures, and found this beauty. So then I left after a little slap on my own wrist and a reminder that I already have enough couches.  Got home, posted this pic on facebook and showed Jake.  A few encouraging comments … [Read more...]

How I Saved $300,000

How I Saved $300,000

Have you ever had a day where you TOTALLY ROCKED at money? Like, you found a 50% off coupon on a product that was already buy one get one free, purchased the floor model for another 40% off, then slipped and fell into a pile of $100 bills on your way to redeem your $5,000 winning scratch ticket?!!!! Yeah...me neither. But last night, I had the most epic win of all time. I saved $300,000 in one night! Our House Almost Burned Down For the second time in the past few months, we had an appliance "act up." Normally, this might be an issue, but since we've got a sweet emergency fund in place, … [Read more...]

Using Credit Cards For Travel and Hotel Rewards

Using Credit Cards For Travel and Hotel Rewards

As I alluded to in an earlier post, I am diving head first into the wide world of credit card rewards! I stumbled upon some travel blogs and forums a while back and was intrigued by these people who just seemed to travel ALL THE TIME but didn't spend any money on it. "iiiiiinnnnteresting", I thought, as I sipped my hot mocha Frappuccino latte Americano double-dipped vanilla coffee and twirled my handle-bar mustache. "So I can travel for freeeee AND stay somewhere nice, also for freeee…" I exclaimed with a twinge of delight. "But where shall I go?!", I said as I dropped my monocle and tobacco … [Read more...]

Budget Friday: Submission 7

Hey everyone! Welcome back to another episode of Budget Friday. This is seriously my favorite part about personal finance, the chance to help others get on a budget, get out of debt and reach their financial goals. I love showing the power of a well-thought out budget plan, and the long term results they can have.Today's budget is an anonymous submission. We'll call him Harold and Marge. Background: Harold and Marge have done well. They are5 5 years of age and have just finished putting their youngest through college, debt free! They are now looking at retirement and want to retire with a … [Read more...]

Seasonal Budgeting

Seasonal Budgeting

I've talked before about those little emergencies that can absolutely kill your monthly budget, causing you to dip into savings or go into further debt to take care of. Things such as broken appliances, car repairs, water leaks and Christmas seem to come out of nowhere to blow up your budget. My solution to this is to create savings buckets for items that you can reasonably expect to pay for at some point. It's easy enough, you just put money away each month in a designated bucket, and when that event or "emergency" happens, you've already got money in place to take care of it. What I've … [Read more...]

Budgeting Infographic

Budgeting Infographic

In my comments, my awesome real estate agent Robby Leviton dropped a link to a sweet-tastic infographic put on by Intuit. It was posted about a year ago, but the details are still relevant. I wasn't surprised in the slightest that the largest expenses were food and entertainment. Now, I am all for gettin' my food on and catching a good flick, but there are thousands of dollars in potential savings here. I like that they, too, are trying to remove the word "budgeting" from the list of household swear words, as that has been my goal from the beginning as well. So let's check out what a household … [Read more...]

2013 Goals And Debt Movement

2013 Goals And Debt Movement

The holidays are officially over. And I don't know about you, but we had a blast! And though I'm sad to see them go, I am pretty excited to get on with the New Year and set some awesome new goals to work toward. Since this is my first official goal-setting post on iHeartBudgets, let's go over a little of my background, and how we got to where we are today. We Had Some Debt Built into my budget, we put together some major goals based on Dave Ramsey's 7 Baby Steps program for paying off debt and building wealth. When we combined our finances in marriage, we had a total of $42,851.31 in debt! … [Read more...]