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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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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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Super Frugal Road Trip Recap

road trip

We are a family that loves to road trip.  In fact, over the past 18 years my wife and I, along with our three kids, have logged more than 65,000 miles on over 20 road trips. During this time, we’ve learned how to create some pretty memorable vacations with our kids.  We’ve also figured out how to make them extremely …

5 Money Saving Tips For Your Next Family Road Trip

family road trip

This post may contain affiliate links.  See our disclosure below.  Today is Day 14 of our family’s annual Super Frugal Road Trip.  With 4 days remaining, and almost 2000 miles left to travel, it remains to be seen whether or not we’ll come in under our spending goal of less than $1000 for the entire 18-day vacation. The odds are …

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How To Save Money By Resisting a Throwaway Mentality 

throwaway mentality

This past week, I took my sixteen year-old Honda lawn mower to my local small engine repair shop.  Earlier on, in an effort to diagnose why it wasn’t running smoothly, I had taken the carburetor apart, only to discover that the pin holding the float in place was missing. I have no idea how that can even happen. Regardless, I …

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OF BOOKS AND BASEBALL CAPS

I am very fortunate to receive performance bonuses at work on a semi-annual basis. They vary in size, given their nature, but tend to be fairly lucrative. (Score one for the 9-5). In other words, I could choose to spend the money on some fairly big ticket items if I saw fit. Because I don’t include the amount in our …