Breaking the “Saving Money” Myth

Breaking the “Saving Money” Myth

If you subscribe to my blog today, you will SAVE 95% on EXCLUSIVE EMAILS from ME. Why pay nothing when you can be part of the elite club and SAVE ALMOST 100% of the cost of reading this to stay in touch with iHeartBudgets and their AMAZING ARTICLES!!!! But wait, THERE'S MORE! If you subscribe now AND follow me on Twitter and Facebook, you can SAVE NEARLY 300% on the cost of reading this blog. You can join EXCLUSIVE conversations and meet other readers like you who have learned to SAVE BIG! This offer won't last more than 100 years, so SIGN UP WHILE YOU STILL CAN!!!!!!!!!!!!! "For Sale" … [Read more...]

5 Reasons To Start A Budget For 2013

5 Reasons To Start A Budget For 2013

As the New Year approaches, we all look ahead and see a blank slate. No matter what happened in 2012, we know that we're going to accomplish EVERYTHING in 2013. We've got big plans, big dreams, and the future looks so bright we need some flippin' sweet shades! And as the year rolls around, we step out the front door, ready to take on the world. The only problem is…..we forgot to put on pants! You Need A Plan Many believe that success is sometimes a fluke, or a big break. You just end up in the right place at the right time, and everything just falls in to place. Even the media plays to … [Read more...]

Our First Budget Story

Our First Budget Story

It was about 4 1/2 years ago that Michelle and I sat down for the first time with a paper and a pencil to create our first budget just before getting married. Now, up until this point, we had kept our finances separate, which I think was a good idea, but now we were engaged and about to start our life together, so I wanted to make sure we were on the same page financially. This was a MUCH more difficult task than I had originally thought. Shame Now, having counseled a few people and helped them get on a budget, I now know that one of the toughest steps of starting a budget is writing … [Read more...]

Budget Friday Submission 4

Budget Friday Submission 4

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 it can have. I really want to convince everyone to get on a budget, even Jeremy from Modest Money (yup, totally calling you out, dude ;) ). I think I have decided that by default, all submissions will be anonymous unless otherwise specified, so if that was any bit of a deterrent to sending your info … [Read more...]

Emergency Fund

I've talked a bit about having a good emergency fund, so it's probably about time I define what an emergency fund is, and maybe more importantly, WHAT IT IS NOT. There are many people who have already defined this, but I want to get a little more detailed and answer the questions; Why, How Much, Where, and For What. Why? Why should you have a pile of cash that is used exclusively for emergencies? It's a fair question, because after all, if money is just sitting there, it's not out working hard for you. And though I believe all money should have a name so you can use it for something … [Read more...]

How I Blew Through $100,000 Before I Turned 21

How I Blew Through $100,000 Before I Turned 21

Dollar by dollar, I managed to unload over $100,000 in less than three years. I am pretty sure I kept a few retailers in business and helped pay for a few mall fast food employees' college tuition with the way I blew through my cash. Now, I did not earn any of this money, mind you. I actually received it in a lump sum at age 18. How Did I Get It? It's actually a sad story how I received the money. At age 4, my father passed away from melanoma skin cancer. Unfortunately, he was not properly diagnosed resulting in a failure to catch the cancer before it had metastasized (entered his blood … [Read more...]

How To Save Money: Building a Fence

How To Save Money: Building a Fence

This weekend, we took on our first major home project since moving in to our home in 2010. We have about 350ft. of fence on our property that was old, rotten and falling over. For the past two years, I have been putting up patch boards to keep the fence up so our dog would stop visiting the neighbors without us. We had planned on rebuilding the fence our first summer that we moved in, but decided we needed to get settled first and save some money up. The next spring, we starting planning for the fence replacement again only to find out we were pregnant and needed to NOT SPEND MONEY until we … [Read more...]

Give Your Money an Identity

When I talk to people about saving money, the conversation always goes one of two ways. One; The person is not saving money at all and gives me a list of reasons why they can't save any money. Two; The person is saving some money from every paycheck, using the "pay yourself first" method (which is awesome, by the way), but when I ask what they are saving for, they give me a blank stare and say "savings". Though I commend the person for saving money instead of blowing it all, I do think that having arbitrary savings is a complete waste of money. Money Without a Name is Worthless Lets say … [Read more...]