The focus for the past few weeks has been Dave Ramsey’s baby steps. Baby step 6 is to pay off the mortgage. This one is hugely debated. Many believe that the tax benefits to paying a mortgage are more beneficial than paying off the mortgage in full and no longer having that benefit. Regardless, paying… Read More Creating Wealth Takes Time
May is almost over. June is a pretty busy month for my family and I’m not sure I’m truly looking forward to it. Preschool graduation, dance recitals, Father’s day, Children’s Sunday at church, my mom’s birthday, my daughter’s birthday, lots of running and spending. My husband and I try very hard to make sure we… Read More The holidays are fast approaching
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
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
When it comes to money, do you fear not having enough? Do you fear that if an emergency happens you won’t be able to afford it? What causes that fear? Why do you feel afraid? I have always joked that I needed an emergency fund for my emergency fund. Not funny but kind of true.… Read More Fear, money and grace
There are 44.2 million Americans with student loan debt. Unbelievable, right? I, thankfully, graduated with very little debt for my 4 year out-of-state private college. I had $15000 in Federal student loans and I was able to consolidate them into an extremely low rate (like under 5%) for 15 years as soon as I graduated. My… Read More Are student loans worth it?
Planning for retirement is a necessity. It is going to happen, like it or not. You are getting older and that in itself is a reason to begin thinking about the process of saving for retirement if you haven’t. Most employers offer a 401(k) or retirement program. Depending on the company, they may even match… Read More Planning for retirement
I was running late and wanted to grab a shower before taking my middle daughter to school. I had just worked out and had a million errands to run. I needed to throw some laundry into the washer and run the dishwasher since we hadn’t run it overnight. I started the shower and put my… Read More Are you prepared for an emergency?