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January Goal Confessional: I Missed Every One.

January Goal Confessional

My apologies to the “it’s all about the hustle” crowd. There’s no point in trying to sugarcoat this. I set 3 personal goals for the month of January…and came up short on every one. If you didn’t catch my goal setting post in early January, allow me to bring you up to speed. Tired of the ‘same old’ no-spend Januaries …

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My Goals For January 2019 (and why I’m not doing a no-spend month)

goals for January 2019

If you’ve been a long time reader, you’re probably aware that for the past two years, I’ve kicked things off in January with a month long spending freeze. I affectionately refer to it as my no-spend January, which meant that for 31 days, I didn’t spend a cent on non-essential items. Not a dime on that daily coffee habit, or …

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35 KICK-A$$ WAYS TO IMPROVE YOUR FINANCES IN 2019

ways to improve your finances

This post may contain affiliate links, see full disclosure below. Updated, December 23, 2019. If you’re looking for ways to improve your finances, you’ve come to the right place!  In this post, I give you 35 ways you can begin to change your financial situation in 2019.  1. Understand your financial values. When it comes to money, many people feel stuck …

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The Hidden Cost Of Small Town Living

small town living

My wife and I are raising our three kids in a small town, about 40 minutes drive from my work in the city. We chose small town life many years ago for several reasons; family supports, proximity to schools & church, general peace and quiet, that kind of thing. The lower cost of living, town vs. city, was also a …

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The $1500 Rule For Car Buying

car buying

Is there a financial decision that people agonize over more than buying a vehicle? A house is undoubtedly a bigger purchase, but it isn’t one that comes along as often, at least not for most people. I often find myself in conversations with friends and colleagues who are trying to figure out how buy a car without it breaking their …

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Something We All Need

Something We All Need

Editors Note: This post touches on the very serious issue of abuse, which is a tragic and all-to-common reality. While it is a partial recounting of a story that was told to me this week, I can understand that it may make for difficult reading for some. Personally, hearing the story firsthand was nothing short of heartbreaking. Thankfully, it was …

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Mixed Bills – Random Thoughts On Money…

thoughts on money

Hey everyone, I was dealing with some writer’s block this week, it happens from time to time. But rather than try and force myself to craft some fine piece of personal finance wisdom (it wouldn’t happen), I’ve decided to opt for the ‘stream of consciousness’ approach, and download a bunch of money-stuff that’s been on my brain over the past …

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Booking.com Review 2018

booking.com review

This post contains affiliate links. Please see full disclosure below.   I’m often asked how our family saves so much money on travel, and Booking.com is definitely one of the tools that we use to make it happen. Related Post: How Our Family Of Five Pulled Off An 18-Day Road Trip For $800. Because it’s tough to describe all of the …

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I Applied For A Demotion And Got Turned Down

demotion

I’ve spent the past four weeks in what felt like the world’s longest holding pattern. I’d been waiting on a decision that would have brought with it some major career and life change. Here’s how it all went down: In late July, I got a phone call from my boss. He mentioned that a national level manager was having trouble …

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Helping Your Child Buy Their First Car

first car

For any teenager, buying a first car is a big deal.  Not only are there a lot of important decisions to make, it’s often the first major purchase of their young life. In this post, we’ll take a look at some of the factors your child needs to consider prior to buying a first car, and how you as their …