Budget, Financial Goals


When it comes to a budget, I truly believe that the simpler you can keep it the better. Many times people seem to overcomplicate and get overwhelmed when looking at spreadsheets and graphs. While there is software that is meant to make things easy to manage, I find that it is best to use paper… Read More 50-20-30

Credit, Debt, loans, Saving

Never Have I Ever

People always say it seems like they will always have a car payment.  A car payment is not always a necessary evil – in fact, it is very possible to not have a car payment – like ever again. My husband and I have gotten auto loans for every car we’ve ever purchased.  We’ve always… Read More Never Have I Ever

Budget, Credit, Debt, loans

Auto financing 101

Did you know the average car payment is about $500 month? That the average car loan is for $30,000? And the average loan term is over 5 years? Those statistics can easily be found online but those figures are pretty disconcerting. There are many (MANY) articles (not even kidding – Google it) that suggest that… Read More Auto financing 101


Financial Clutter

Winter, I think, may finally be gone. I can’t even begin to tell you how exciting it is to see green on the trees, grass on the ground and flowers starting to sprout.  I am taking the opportunity to thoroughly clean my house and am going to give the ceilings and bedrooms a fresh coat… Read More Financial Clutter

Debt, Emergency Fund, Saving

Life Happens

This past week has not gone as planned.  It started off well enough and it’s actually ended quite well but the in between and getting to where I am right now (sitting on the couch listening to a podcast and typing this blog post) was complicated, tiring and full of sadness and uncertainty. The original… Read More Life Happens


It has been 2 years

This week is Spring Break so I won’t be going live over in the Credit Savvy Diva Facebook group or creating graphics or writing content for the Credit Savvy Diva newsletter.  It’s been 1 full year since I dedicated myself to the brand and here and I am taking an entire week off and praying… Read More It has been 2 years