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Thank you for sharing. I had no idea what it was called but when I was in sales we capitalized on this all of the time. Each package was either missing a piece or you couldn’t get the best results without the add-ons. It’s a trap for sure. Fortunately for me once it needs more than one piece I get frustrated and no longer have an interest lol

Thanks ladies! I’m glad I’m not the only one in the boat and I’ll definitely look at the tips you both gave me.

For us the conversations were hard – hard in the sense of coming to agreement and really putting into words what we both envision for our future. It has taken multiple conversations to get to this point. But every step seems to be valuable. While I think we set a rather large goal for us – it will definitely affect our lifestyle, it has given us…[Read more]

Thanks for all the advice, everyone!

Thanks, Stacey! I love the idea of having an emergency food stash! So smart!

I’m with you on that one! I took a $15,000 pay cut last year to switch industries and although I know I made the right move for my sanity, like you said, I do need to find ways to bring in some extra cash. Having a side hustle definitely helps. Freelance writing and blogging has allowed me to make an extra few hundred dollars every month which has…[Read more]

Having these conversations are so helpful! My hubby and I are expecting our first child this coming December, so we’re starting to take a closer look at our finances. Over the past few weeks, we’ve talked about where we’d like to be 5 and 10 years from now financially, and how we plan on saving for our future as a family. It’s so motivating to…[Read more]

I hear you Antoinette! Five years ago I left a job that I loved because it simply did not pay enough, and in life – money does matter. Fortunately, I have come to love this job just as much. I admit it took some time to build the relationships that make going to work feel so good. The thing is I am a teacher, so the pay is not that phenomenal…[Read more]

Thanks, Antoinette. The students worked really hard. I was super proud of each and every one of them! I love that you are going to have your clients develop a mission statement. I think they are very powerful in helping us stay focused.

Congrats to your students! I love your idea of a financial mission statement. I think I’m going to start having my clients do that at work.

I agree with the other ladies BUT I also know what peace of mind feels like. Do you have a ton of time left to pay off the furniture? If so, I see what you mean but do you think you can hold out a little longer to take advantage of the 0%? Either way I think you’re in good standing. Debt without interest is a win and peace of mind is a win!

It is hard when we have different money personalities! Sounds like you manage it well. Yes, he really is enjoying his “new” car!

Kayla, I feel that it is always important to have your emergency savings held sacred. At 0% interest the debt is not costing you anything, and if you are earning interest on the savings you are money ahead. If the debt is costing more than you can earn, then I’d say pay off the debt.

Kayla, I teach school in a rural area so I have no choice but to pack a meal every day. With only 40 minutes for lunch, students that want to meet with me during that time, and nothing within 15 minutes of campus – there is no choice. 🙁 I always keep a stash of emergency food items for the mornings that get too hectic to pack something – soups,…[Read more]