Pay Off Debt

What is Bankruptcy? (And How to Avoid It!)

What is Bankruptcy? (And How to Avoid It!)

If you’re struggling with your finances, you might be wondering, “what is bankruptcy?” It was just a few months ago, that I thought we were completely bankrupt.  I felt hopeless, and even though I wasn’t 100% sure what bankruptcy was, I convinced myself that this […]

Pay Off Debt or Save?  What to do FIRST!

Pay Off Debt or Save? What to do FIRST!

Are you ready to pay off debt so you can finally start to save for your future? That’s great!  The only problem is that you might not know what to do first. Is it better to pay off debt or save? It can all seem […]

Dave Ramsey Monthly Budget Percentages

Dave Ramsey Monthly Budget Percentages

When you are ready to start budgeting, you might be wondering what your monthly budgeting percentages should be. We use Dave Ramsey’s recommended monthly budgeting percentages, and adjust as needed for our debt payoff goals. There is no hard and fast rules on monthly budgeting […]

How to Set SMART Financial Goals

How to Set SMART Financial Goals

Do you have BIG financial goals?  I’m sure you do! You might be in major debt, and getting out fast is on your financial goal list this year. Maybe, you’re out of debt and want to save for a house, or start putting money away […]

Budget Categories You’re Probably Forgetting!

Budget Categories You’re Probably Forgetting!

It happens almost every month. Hubby and I have our budget meeting and we think every dollar is accounted for. Then, about half way through the month BAM…seven birthday party invitations from the kiddo’s daycare. Okay, maybe not actually seven, BUT it’s always something…am i […]

Debt Free Quotes for Your Debt Free Journey

Debt Free Quotes for Your Debt Free Journey

I love a good quote.  The more inspiring and motivating, the better! When you are on a debt free journey, you need all the #inspo that you can get. There’s nothing like a good quote to light a fire in your soul, and really motivate […]

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Do you have a monthly budget meeting with your spouse? If you’re anything like  me, it might have never even occurred to you! Up until recently, I handled all of the monthly budgeting, financial planning, and bill paying completely on my own. My husband trusted […]

How to Make a Debt Free Vision Board

How to Make a Debt Free Vision Board

Paying off debt takes patience, persistence, and a whole lot of motivation.  This is especially true if you have a large amount of debt!  A debt free vision board can help you stay focused on your ultimate goal of financial freedom. It’s important to constantly […]

Why You Need A Budget for Your Household

Why You Need A Budget for Your Household

Do you have a budget for your household?  Your income is your most powerful tool to be able to build wealth. How can you make your income, (of any size), work for you if it’s all going out the door before you even get a […]

How to use a Cash Envelope Budgeting System

How to use a Cash Envelope Budgeting System

If you’re new to budgeting and trying to make big changes in your money management, you may have heard of the cash envelope system. Your first thought is probably, “ugh, what a pain!” I know. It’s sooo much easier to swipe your card everywhere…but that’s […]