Archives for May 2013

Ultimate Budget Series: Part 2 – Tithing

Ultimate Budget Series: Part 2 – Tithing

Welcome back to the Ultimate Budget Series. If you haven't have a chance to check out the rest of the series, here's what we've got so far: Introduction Income Today we’re going to talk about one of the most debated and awesome line items in the budget: Tithing! Now, I know this is a hot topic for some, and for others it doesn't even matter. But the aim of this series is to go through the most common budget items in detail, and tithing is definitely one of them. And as a tithing Christian myself, I have some experience in this area, and would like to break it down so that we are all … [Read more...]

I Heart Budgets on The Huffington Post

I Heart Budgets on The Huffington Post

Hey all you beautiful people out there. I hope you don't have any plans this evening, because I've got an event for you to attend. So snuggle up on the couch, grab a bowl of popcorn, and enjoy watching my face ALL UP ON YOUR INTERNETS! I've been invited to a fun discussion on http://live.huffingtonpost.com to talk about how I WASTED OVER $100,000 in less than 3 years. Yes, I get to recap my idiocy with an insane amount of cash, and relive the shame! OH THE JOY! But seriously, I'm pretty excited about this, and am excited to tell my story so that others can mock me, but also learn from my … [Read more...]

Is My Emergency Fund Too Big?

Is My Emergency Fund Too Big?

Isn't personal finance exciting? I know, I know, it really is, and sometimes I can hardly contain myself. On Friday, I wrote a fun little piece called "Question Of The Week: Should I Pay Down My Student Loans ?", and I got some great responses and answers from my awesome readers. As I was responding to the various comments and suggestion, I saw a common thread weave throughout, which was to obviously "PAY DOWN THE FLIPPIN' LOAN!" The other one was a bit more interesting, and I'd like to explore it a bit further. Why Do I Have So Much Cash Saved Up? I got a few responses from readers asking … [Read more...]

Question Of The Week: Should I Pay Down My Student Loans ?

Question Of The Week: Should I Pay Down My Student Loans ?

Happy Friday everyone! I hope you are all having a wonderful week, and ready to enjoy a sweet 3-day weekend in remembrance of the women and men who have served to protect our freedoms. Like My freedom to hope on the internet and ask everyone a question! And my big question of the week is………..drumroll……. Well, actually, you can just read it in the title of this post. But for dramatic effect….the question is….. Should I Pay Down My Student Loans? Yes? No? Maybe? You don't care?...Oh, you want more information? Ok, sure. Our Student Loan Balance Is $13,791 Edit: Just FYI, the interest rate … [Read more...]

Ultimate Budget Series: Part 1 – Income

Ultimate Budget Series: Part 1 – Income

Ahh, income. The one thing that no one has enough of, but everyone has. If you don't have any income, hang up the internet right now, hop on your bike and go find a JOB! But for those of us who have some sort of income, we've got to do something with it. And that's why you're here. As the slogan goes, "Just because you make money, doesn't mean you know what to do with it!" Today I want to cover how to identify your income, track your income, and different ways that the "income" category fit into your budget. The focus will NOT be on how to make more money (I've already got a post on that), … [Read more...]

Ultimate Budget Series: Introduction

Ultimate Budget Series: Introduction

I have been on a wicked sweet budget for about 5 years now, and have helped quite a few others get on one as well. Over the years, our budget has flexed and changed with our life stages, and has grown into a fully mature budget, with savings buckets, seasonal budgeted categories, and filters to see how we do in each category. It's been a fun ride, and it's really cool to look back at my old "budgets" from back when I was "tracking" my income and watching my money disappear. After starting to put together budgets for others, I have really started to see some trends in how certain categories are … [Read more...]

Our Vacation For Free On Credit Card Points

Our Vacation For Free On Credit Card Points

Have you ever wondered what it's like to live the high life? Like, walk into a place and have everyone at your beck and call, falling hand over foot to serve you? I've always been fascinated by those that spend tens of thousands on extravagant vacations, and throw away money faster than a Justin Bieber album just to have people pretend to like them for a few days and give them whatever they want. I could not IMAGINE blowing that kind of money (wait, yes I could. AND I DID!) in less than a week. But I've always wondered what it would be like to be THAT GUY. You know, roll up in my Porsche, tip … [Read more...]

Budget Friday: Submission 10

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 her Darlene. Background: Darlene did not divulge her age (a lady never tells), but she's probably not a day over 30 (based on her Roth/401k balance). She has been reading through the Budget Friday series and slashing through … [Read more...]