SUM180 | Kelby Green - Ambassador | Activity https://community.sum180.com/members/kelby/activity/ Activity feed for Kelby Green - Ambassador. Fri, 19 Jul 2024 11:53:52 -0800 https://buddypress.org/?v=5.1.2 en-US 30 hourly 2 6cb05bad3c384a2e4615d6d927146271 Kelby Green - Ambassador started the topic Is Couponing Worth It? in the forum Grow your savings https://community.sum180.com/forums/topic/is-couponing-worth-it/ Mon, 08 Jan 2018 02:26:35 -0800 In 2018, one of my goals is to save money in every possible area of my life. One area that I’ve really been slacking in over the last twelve months is food — specifically at the grocery store. A few years ago we saved a lot by using coupons, but it was a lot of work and planning involved. I’ve considered trying it again this year, but don’t know…[Read more]

]]> f3d0a9840879d1a4625eebafbc77a4dd Kelby Green - Ambassador replied to the topic Capsule Wardrobe - Saving Money By Not Buying Tons Of Clothes in the forum My journey https://community.sum180.com/forums/topic/capsule-wardrobe-saving-money-by-not-buying-tons-of-clothes/#post-6124 Sun, 07 Jan 2018 05:32:21 -0800 A little over a year ago I tried (what I believe was) a capsule wardrobe and only kept somewhere around 30-ish items of clothes for several months. I loved it, but somewhere along the way I began adding a few items here and there, and now my closet is pretty much back to the way it was when I started out. I just finished re-watching the Minimalism…[Read more]

]]> 5b72fb3f53d5f245d8686ce1d64c1c10 Kelby Green - Ambassador replied to the topic New Year's Money Resolutions in the forum SUM180: Our story https://community.sum180.com/forums/topic/new-years-money-resolutions/#post-6123 Sun, 07 Jan 2018 03:45:47 -0800 I remember that time very well! With both of our daughters, we cut back on everything that wasn’t absolutely essential. Saved us a ton and we actually continued a few of the habits once things were financially back on track.

]]> 183091a87e7df644cbf7456ad7bf3aff Kelby Green - Ambassador started the topic New Year's Money Resolutions in the forum SUM180: Our story https://community.sum180.com/forums/topic/new-years-money-resolutions/ Sun, 31 Dec 2017 22:00:26 -0800 I’m not really big on New Year’s Resolutions, but I do use New Year’s Eve as a chance to reflect on the things that went well over the last 12 months (and try to double-down on that which I had control over), as well as identify the things that didn’t go so well. Two major points of emphasis from my time of reflection have been to create…[Read more]

]]> e053084dabbfd572bf072a39eca824ab Kelby Green - Ambassador replied to the topic Getting Rid of Gift Cards in the forum My journey https://community.sum180.com/forums/topic/getting-rid-of-gift-cards/#post-6011 Sun, 31 Dec 2017 21:34:38 -0800 I would sell it. Have you ever tried Raise.com? I’ve never used the service, but from what I can tell it may be a good way to sell the gift card you’re not using for cash and you can even buy a discounted gift card to a store that you typically shop at.

]]> 62a1e802a05dc70431e3ecdd11ed5589 Kelby Green - Ambassador replied to the topic Stock as a Christmas gift for kids in the forum Build your investments https://community.sum180.com/forums/topic/stock-as-a-christmas-gift-for-kids/#post-6010 Sun, 31 Dec 2017 21:28:08 -0800 I agree! I think I’ll just hold on to the gift card for a while and see if a better opportunity presents itself in the future.

]]> 4269ccf8799a3df48c6b5690a27083f3 Kelby Green - Ambassador started the topic Stock as a Christmas gift for kids in the forum Build your investments https://community.sum180.com/forums/topic/stock-as-a-christmas-gift-for-kids/ Mon, 25 Dec 2017 06:46:38 -0800 I’m almost sad to say that I didn’t even know this was a ‘thing’, but a friend of the family decided to gift my daughters’ shares of stock (via the website Stockpile) instead of the traditional dolls, clothes, etc. As a financial nerd, I think the gift is amazing! The problem is, at 2 and 4 years old, I don’t know that my little ones are old…[Read more]

]]> 93447acaa44b82b4cec422d1a0bea810 Kelby Green - Ambassador replied to the topic Maintenance Plans for Cars in the forum Manage your debt https://community.sum180.com/forums/topic/maintenance-plans-for-cars/#post-5896 Sun, 24 Dec 2017 20:17:04 -0800 I’ve bought a few different cars over the years and haven’t purchased maintenance plans with any of them. I wish I could say the reason was financial, but it was really because the sales/finance people always seemed really shady so I never fully trusted what they were saying. After hearing multiple horror stories from people that did the opposite…[Read more]

]]> 72052989f16ac02a9e81196f2880d7f0 Kelby Green - Ambassador replied to the topic Is a Cash-out Refinance a Good Idea? in the forum Manage your debt https://community.sum180.com/forums/topic/is-a-cash-out-refinance-a-good-idea/#post-5815 Thu, 21 Dec 2017 20:13:36 -0800 That’s a good idea to look into the tax implications…I hadn’t thought about that. Thanks!

]]> 8e46aa4851d00529e1c2acbd3c13db05 Kelby Green - Ambassador started the topic Is a Cash-out Refinance a Good Idea? in the forum Manage your debt https://community.sum180.com/forums/topic/is-a-cash-out-refinance-a-good-idea/ Mon, 18 Dec 2017 05:19:22 -0800 I was talking to one of my friends about the rate that I pay on my mortgage when he mentioned something that I hadn’t thought about before. Although I’ve considered refinancing my mortgage because the current rate is almost two percentage points lower than what I currently pay, I hadn’t thought about refinancing and taking out cash out.

I’ve…[Read more]

]]> 4132c579cf53daad8dc5759317b88d13 Kelby Green - Ambassador replied to the topic Expense Trackers in the forum My journey https://community.sum180.com/forums/topic/expense-trackers/#post-5747 Mon, 18 Dec 2017 04:22:16 -0800 I’m with Kayla. I’ve used Mint, Mvelopes and a few others but I can’t find anything that beats an excel spreadsheet. For me, there’s just something about having to manually track everything that makes me think twice about unnecessary purchases.

]]> 850bb501473e374c9e2f739eb7b77f28 Kelby Green - Ambassador replied to the topic Is It Okay To Establish A No-Christmas Presents Rule This Year? in the forum Grow your savings https://community.sum180.com/forums/topic/is-it-okay-to-establish-a-no-christmas-presents-rule-this-year/#post-5593 Sun, 10 Dec 2017 21:40:40 -0800 Two days? How exciting!!! I wouldn’t stress one bit about buying Christmas gifts, since the little bundle of joy will be a gift to the entire family. We faced a similar dilemma a few years ago when our oldest was born in early November. We didn’t buy any gifts and the family understood. I’m sure that’ll be the case with you, as well. And even if…[Read more]

]]> f0f5026576fd508bb8a5e253459efacd Kelby Green - Ambassador replied to the topic I thought this was supposed to be the most wonderful time of the year... in the forum My journey https://community.sum180.com/forums/topic/i-thought-this-was-supposed-to-be-the-most-wonderful-time-of-the-year/#post-5521 Fri, 08 Dec 2017 18:58:33 -0800 Thank you, both…glad to know I’m not alone!!

]]> 024ff5b4b85883bd881e91e5f419c118 Kelby Green - Ambassador replied to the topic Co signing a Loan in the forum Manage your debt https://community.sum180.com/forums/topic/co-signing-a-loan/#post-5416 Mon, 04 Dec 2017 04:04:21 -0800 I’ve been approached twice about co-signing on loans, once for a close friend and once for a family member. Thankfully I said no both times. Fast forward a few years and although one of them found another co-signer and the other was able to get the loan on their own, they both ended up defaulting.

Talk about dodging bullets!!

All of that to…[Read more]

]]> 043ece8436879a9074c1082ab1747580 Kelby Green - Ambassador started the topic I thought this was supposed to be the most wonderful time of the year... in the forum My journey https://community.sum180.com/forums/topic/i-thought-this-was-supposed-to-be-the-most-wonderful-time-of-the-year/ Fri, 01 Dec 2017 05:17:06 -0800 I love the holidays. I mean, I’m not the type that would knock on your door singing Christmas carols or anything like that, but I love the overall feel that the holiday season brings. This year, though…I’m having trouble getting into the Christmas spirit because it seems like everything that can go wrong (financially speaking), has.

First, it…[Read more]

]]> fa7ced1bd4915250419e5aeb6ba30291 Kelby Green - Ambassador replied to the topic Pay off Debt or Save for Retirement in the forum Manage your debt https://community.sum180.com/forums/topic/pay-off-debt-or-save-for-retirement/#post-5271 Tue, 28 Nov 2017 20:15:14 -0800 Thanks, Kayla and Cara! You both bring up some really good points.

]]> 7c40d632d56c5d96d6d4d238b65902d9 Kelby Green - Ambassador replied to the topic Officially Unsubscribing From Promotional Emails in the forum My journey https://community.sum180.com/forums/topic/officially-unsubscribing-from-promotional-emails/#post-5270 Tue, 28 Nov 2017 20:12:57 -0800 I thought I was the only one that was going insane by the sheer amount of Black Friday/Small Business Saturday/Cyber Monday emails I was receiving. Argh!!! I’ve used unroll.me in the past to unsubscribe from multiple promotional lists in one swipe. This reminds me that I might need to revisit the app.

]]> b97f36215ea5092a4950216005e40f1b Kelby Green - Ambassador started the topic Pay off Debt or Save for Retirement in the forum Manage your debt https://community.sum180.com/forums/topic/pay-off-debt-or-save-for-retirement/ Sun, 26 Nov 2017 20:50:21 -0800 I’ve been contributing to some sort of retirement plan since I started working at 18, even before I had any understanding of what I was actually investing in. I guess that’s because based on conventional wisdom (read: what your parents strongly encourage you to do) you should start saving for retirement as soon as humanly possible.

And I get…[Read more]

]]> e69d96c12cdec6d13edbdb0f217b612d Kelby Green - Ambassador replied to the topic Rate Shopping for Your Savings in the forum Grow your savings https://community.sum180.com/forums/topic/rate-shopping-for-your-savings/#post-5185 Sun, 26 Nov 2017 19:55:14 -0800 I’m with Kayla. I’ve had the same savings account for as long as I can remember and the small increase in rate that I might receive by switching banks doesn’t really seem worth the effort.

]]> 188e4778ce7b2378a482a3afed2576dd Kelby Green - Ambassador started the topic How Frugal is Too Frugal? in the forum Grow your savings https://community.sum180.com/forums/topic/how-frugal-is-too-frugal/ Sat, 18 Nov 2017 16:51:06 -0800 I’m all about trying to find ways to save money, but I know there is a point of diminishing returns. The problem — for me, at least — is figuring out exactly where to draw that line. Case in point: I’m planning to attend a few (like seven to ten) conferences in 2018 and, as a way to save some money, was considering driving to each one and tent c…[Read more]

]]> 80f033ffbc3c4cacbba7dc1f674002df Kelby Green - Ambassador replied to the topic Saving Money On Groceries With Delivery Services in the forum Grow your savings https://community.sum180.com/forums/topic/saving-money-on-groceries-with-delivery-services/#post-4904 Thu, 16 Nov 2017 16:08:38 -0800 I haven’t tried it, but I love the concept. The frugal side of me is concerned that I won’t be able to use coupons and would end up spending more. On the other hand, the I-hate-grocery-shopping-with-a-passion side thinks you can’t put a price on the feeling of bliss felt by never having to step foot in a grocery store again. LOL!

]]> c7310cfe8b70bed89ad1a2e8437dda11 Kelby Green - Ambassador replied to the topic Ways to Teach Your Kids About Saving Money in the forum Grow your savings https://community.sum180.com/forums/topic/ways-to-teach-your-kids-about-saving-money/#post-4899 Thu, 16 Nov 2017 15:52:14 -0800 You are absolutely right! I had not even considered teaching her about purchasing decisions…that’s huge! *feverishly adds that to my list of parenting lessons*

]]> 219e1c85194c90b4cd083f9a3d6bd255 Kelby Green - Ambassador replied to the topic Ways to Teach Your Kids About Saving Money in the forum Grow your savings https://community.sum180.com/forums/topic/ways-to-teach-your-kids-about-saving-money/#post-4794 Mon, 13 Nov 2017 14:50:26 -0800 Tying the savings lesson to special purchases is a really good idea! I’ll definitely try that out. Thanks, Kayla!!

]]> bb8b0529637fd29b140202922f78c842 Kelby Green - Ambassador started the topic Ways to Teach Your Kids About Saving Money in the forum Grow your savings https://community.sum180.com/forums/topic/ways-to-teach-your-kids-about-saving-money/ Mon, 13 Nov 2017 01:15:05 -0800 Last weekend, my oldest daughter turned four and received cash from both sides of grandparents. While it wasn’t a lot of money, I’m trying to think of ways to use it as an opportunity to begin introducing money and the concept of saving. I’ve considered taking her to the local bank and opening a minor savings account, but I don’t know how much…[Read more]

]]> a4833e2327e7ec53f2d13bc09d2cf4bd Kelby Green - Ambassador replied to the topic Getting Back on Track in the forum My journey https://community.sum180.com/forums/topic/getting-back-on-track/#post-4712 Fri, 10 Nov 2017 22:19:18 -0800 Thanks, Kayla and Antoinette…glad to know I’m not alone! I’ll take your advice and hopefully that’ll help me press the reset button.

]]> 9359d66be83878c9dcc166dc9153c06f Kelby Green - Ambassador started the topic Getting Back on Track in the forum My journey https://community.sum180.com/forums/topic/getting-back-on-track/ Fri, 03 Nov 2017 15:40:42 -0800 Since this is a ‘safe space’ I feel like I can be honest with you guys: My budgeting has been completely off for the past six or so months and I’m having a hard time getting things back on track. I’m not sure if it’s par for the self-employment course, since working for yourself means you no longer are paid at bi-weekly intervals…or maybe I’ve…[Read more]

]]> 303d48dd7caf42618fb989b57b55035c Kelby Green - Ambassador replied to the topic Co-Working Spaces in the forum My journey https://community.sum180.com/forums/topic/co-working-spaces/#post-4416 Fri, 03 Nov 2017 14:45:41 -0800 I’m actually facing a similar dilemma, as I just ended my contract at a co-working space I had been using for a little over a year. It was a great space, with really creative and helpful people, but for me, the commute (30-45 mins each way) started to become too much. The cost at $250/mth was not a huge issue because I felt like I was getting a…[Read more]

]]> de15b2688ced7b04a2556652e063566f Kelby Green - Ambassador started the topic If you can't buy three, you shouldn't buy one in the forum Grow your savings https://community.sum180.com/forums/topic/if-you-cant-buy-three-you-shouldnt-buy-one/ Mon, 09 Oct 2017 21:15:22 -0800 I just watched a YouTube video around the concept of “If you can’t buy two of something, you shouldn’t buy one.” I know, I know…it’s not exactly mind-blowing, but I surely don’t give much thought as to whether I can afford more than one of something when casually swiping my card.

Maybe some of you can relate.

Since I’m always looking for e…[Read more]

]]> f22b2d7fba6855435cc392e3d1f5b133 Kelby Green - Ambassador replied to the topic Retail Arbitrage in the forum Manage your debt https://community.sum180.com/forums/topic/retail-arbitrage/#post-3835 Mon, 09 Oct 2017 13:58:44 -0800 I hope so, Josh! Yep…eBay and Craigslist here I come.

]]> 8d36a2ef3d8b215c264ee16365a354a5 Kelby Green - Ambassador replied to the topic Retail Arbitrage in the forum Manage your debt https://community.sum180.com/forums/topic/retail-arbitrage/#post-3834 Mon, 09 Oct 2017 13:57:57 -0800 Thanks, Carla! Those paddle boards sound like a huge win! And I’m with you on the paddle board yoga. I struggle with yoga on non-moving surfaces, so yoga on a paddle board would be completely out of the question. Haha!

]]> b87e299ffeec474b5229f530fdce85b0 Kelby Green - Ambassador replied to the topic Life Insurance Policies in the forum Build your investments https://community.sum180.com/forums/topic/life-insurance-policies/#post-3799 Thu, 05 Oct 2017 13:15:33 -0800 I tend to think of life insurance and retirement planning as two completely separate things. I know that there are whole life plans which combine both, but I’m skeptical for a number of reasons.

First, the guarantees. Having worked in financial services and knowing how some of these products really work, I know that these ‘guarantees’ included…[Read more]

]]> 209087f9dee8f895e51726087572a458 Kelby Green - Ambassador started the topic Retail Arbitrage in the forum Manage your debt https://community.sum180.com/forums/topic/retail-arbitrage/ Mon, 02 Oct 2017 15:35:09 -0800 In my quest to find ways to eliminate debt, I stumbled across the concept of retail arbitrage. The idea is you purchase a product at a discount, and then resell it online (via eBay or Amazon) for a profit. Pretty simple, right.

Granted, I’m not expecting to strike it rich, but the possibility of earning a little extra income by buying low and s…[Read more]

]]> 33c24a7a63c678a87ea01e8e967c5240 Kelby Green - Ambassador replied to the topic Diversification in the forum Grow your savings https://community.sum180.com/forums/topic/diversification/#post-3755 Thu, 28 Sep 2017 20:53:38 -0800 Josh, I can relate to exactly what you’re saying. I made the same mistake about not diversifying my income when I started my business. Heck, two years in I still don’t think I’m diversified enough…but I’m working on it.

To answer your question, if I could give one piece of advice to my former self it would be to be patient. If I was to look…[Read more]

]]> 570c0c7e7d15725cf110408128bfb891 Kelby Green - Ambassador replied to the topic So Many Gifts To Buy And It's Not Even Christmas! in the forum My journey https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/#post-3725 Tue, 26 Sep 2017 16:06:02 -0800 You are definitely not alone! A few years back, we realized that the end-of-year birthdays, holidays, etc. were big budget busters, so we added up what we planned to spend and made that a line item for the next year. Basically, we took the total and broke it down by month and just increased our monthly savings contribution by that much. That way…[Read more]

]]> 776e2d2402768a3726ae47bdf2a5ec81 Kelby Green - Ambassador started the topic Snowball vs Avalanche in the forum Manage your debt https://community.sum180.com/forums/topic/snowball-vs-avalanche/ Tue, 26 Sep 2017 15:28:19 -0800 Lately, I’ve been reading a lot about Dave Ramsey and his approach to getting out of debt. I’ve checked out some of his books from the library, listened to his podcast, and even convinced a friend of mine to let me borrow their Financial Peace University home version so I could see what all the fuss was about. After consuming, what I believe to…[Read more]

]]> 96ff36cfb85a52f7160f76b3b6d4d4c7 Kelby Green - Ambassador replied to the topic Property Value Has Doubled...Would You Sell to Pay-off Debt in the forum Manage your debt https://community.sum180.com/forums/topic/property-value-has-doubled-would-you-sell-to-pay-off-debt/#post-3705 Sat, 23 Sep 2017 23:22:01 -0800 That’s a good way to look at it! Thanks, Antoinette.

]]> bb1cde65dbc7b00927ee8dd7a4e5622b Kelby Green - Ambassador started the topic Property Value Has Doubled...Would You Sell to Pay-off Debt in the forum Manage your debt https://community.sum180.com/forums/topic/property-value-has-doubled-would-you-sell-to-pay-off-debt/ Tue, 19 Sep 2017 00:36:30 -0800 A little over seven years ago, my wife and I bought the house that we currently live in. At the time, the purchase was driven by a few things. 1.) The character of the home (a ’70s ranch style with plenty of space), 2.) the cost (around $100k), and 3.) the close proximity to my in-laws (which is actually not as bad as it sounds). But here’s the…[Read more]

]]> 5add025e4407ccf8cfc4c5640698539e Kelby Green - Ambassador replied to the topic Dollar Cost Averaging in the forum Build your investments https://community.sum180.com/forums/topic/dollar-cost-averaging/#post-3418 Wed, 23 Aug 2017 17:35:55 -0800 +1 for Dollar-cost averaging! No one can predict what the stock market is going to do and attempting to time it is an exercise in futility. Dollar-cost averaging removes emotion from the equation which is HUGE when it comes to long-term investing.

]]> c483344e57b6293c5c8f0ef20e2982fa Kelby Green - Ambassador started the topic I'm Self-Employed...What Can I Do to Save for Retirement? in the forum Plan your retirement https://community.sum180.com/forums/topic/im-self-employed-what-can-i-do-to-save-for-retirement/ Wed, 23 Aug 2017 15:16:02 -0800 As a small-business owner, we’re afforded a ton of benefits — like the ability to work on whatever projects we want and the flexibility to work on them from anywhere. While on one hand having these types of options are great, self-employment has a fair share of drawbacks as well.

One of the biggest downsides that I’ve noticed since moving fro…[Read more]

]]> 9dcaf6308a4e325159d1ad1a08c1cbd3 Kelby Green - Ambassador replied to the topic Experience vs. Possessions in the forum My journey https://community.sum180.com/forums/topic/experience-vs-possessions/#post-3392 Sun, 20 Aug 2017 23:21:49 -0800 I’m in the same boat — both self-employed and realizing that experiences are more valuable than possessions. Like Stacey mentioned above though, I’ve also come to understand that experiences don’t necessarily have to be expensive or involve a hotel or flight. In fact, my most recent experience was a weekend camping trip about an hour outside of…[Read more]

]]> 5973b9280510f05d71636555345b065c Kelby Green - Ambassador replied to the topic Boosting Savings with a Garage Sale in the forum Grow your savings https://community.sum180.com/forums/topic/boosting-savings-with-a-garage-sale/#post-3391 Sun, 20 Aug 2017 21:54:10 -0800 You’re right, Stacey! The one we had last year had people stopping by when we were still getting everything out…and that was like 6:30am!!

]]> 9d7c514a360bff689675ccd3e1ae0d92 Kelby Green - Ambassador replied to the topic Boosting Savings with a Garage Sale in the forum Grow your savings https://community.sum180.com/forums/topic/boosting-savings-with-a-garage-sale/#post-3390 Sun, 20 Aug 2017 21:50:27 -0800 Thanks, Kayla! We actually postponed the garage sale until next weekend, but I would be more than happy to match what your parents did w/ $400 and less clutter.

]]> e8e94f1e2cf03401cad0c61ca0900f23 Kelby Green - Ambassador started the topic Boosting Savings with a Garage Sale in the forum Grow your savings https://community.sum180.com/forums/topic/boosting-savings-with-a-garage-sale/ Mon, 14 Aug 2017 20:25:30 -0800 I have a sort of love/hate relationship with garage sales. More than anything, I enjoy the hunt. Finding gently used items, and paying pennies on the dollar for them is like a game — a game that probably only money nerds would enjoy — but a game nonetheless. In addition, over the years I’ve had several garage sales and made a pretty decent a…[Read more]

]]> b0e854478eb88ead0dbe9da9a1e8b260 Kelby Green - Ambassador replied to the topic I Said Bye to Subscription Services in the forum Grow your savings https://community.sum180.com/forums/topic/i-said-bye-to-subscription-services/#post-3302 Fri, 11 Aug 2017 21:59:27 -0800 I realized a few months back that many of the subscription services I had were redundant. For example, I had Buffer, Hootsuite, and Meet Edgar…all of which automate social media content. Same with Adobe Creative Cloud and Canva. Once I saw how much I was spending unnecessarily, I did the same as you and saved about $300 on miscellaneous…[Read more]

]]> 831fb05dd9a5b66eb600441d1f1f8450 Kelby Green - Ambassador replied to the topic How to Save Money While Raising Toddlers...I NEED HELP!! in the forum Grow your savings https://community.sum180.com/forums/topic/how-to-save-money-while-raising-toddlers-i-need-help/#post-3299 Fri, 11 Aug 2017 15:19:01 -0800 Thanks, Antoinette…I really like that idea! And the fact that the per paycheck amounts are so small, you probably don’t even notice a difference in your budget. I’ll have to try that out!

]]> b0d18a2bc7eab3086c1d5c0a301060d1 Kelby Green - Ambassador started the topic How to Save Money While Raising Toddlers...I NEED HELP!! in the forum Grow your savings https://community.sum180.com/forums/topic/how-to-save-money-while-raising-toddlers-i-need-help/ Fri, 04 Aug 2017 04:17:37 -0800 When my wife and I got married, we decided that when we had kids we wanted them to be close in age. Our thinking was, we would go through the diaper phase, potty training, and the rest of the baby stuff back to back, which would mean smooth sailing once the youngest hit around two. So we did just that and had our first in late 2013 and her little…[Read more]

]]> 584eb9e5b5a058e5a999fcbbf67cf8c1 Kelby Green - Ambassador replied to the topic My Financial Plan Gives Me Confidence in the forum Save for retirement https://community.sum180.com/forums/topic/my-financial-plan-gives-me-confidence/#post-3203 Mon, 31 Jul 2017 14:36:14 -0800 I agree with a financial plan giving you confidence, but in addition to that, it provides me with structure. Having a significant amount of student loan (and various other consumer) debt, a financial plan gives me the structure necessary to dig myself out of it and one day experience financial independence. I credit my plan with helping me tackle…[Read more]

]]> fa6dc499348e9a218a1b23d9d5ed57db Kelby Green - Ambassador replied to the topic How Saying No to "Free" Things is Freeing Up Our Income in the forum My journey https://community.sum180.com/forums/topic/how-saying-no-to-free-things-is-freeing-up-our-income/#post-3201 Sun, 30 Jul 2017 22:41:59 -0800 You’re right, Antoinette! I always try to avoid those “Free for X days/months” sales pitches because I have too much going on in my day-to-day to remember when to cancel them.

And yeah, those DIY projects can definitely add up. I blame Pinterest, though. LOL! If they wouldn’t make everything look so easy it wouldn’t even be a thought.

]]> e8b064cf26bb00c5493be2e2bd20998e Kelby Green - Ambassador replied to the topic How Saying No to "Free" Things is Freeing Up Our Income in the forum My journey https://community.sum180.com/forums/topic/how-saying-no-to-free-things-is-freeing-up-our-income/#post-3183 Thu, 27 Jul 2017 14:47:27 -0800 Thanks, Kayla! I started running the numbers on the last few things that I got for “free” and the amount spent is RIDICULOUS! Lesson learned, though. Even if it took me a while to catch on.

]]> 0ed8d5c147aac634397d867211cf8939 Kelby Green - Ambassador started the topic How Saying No to "Free" Things is Freeing Up Our Income in the forum My journey https://community.sum180.com/forums/topic/how-saying-no-to-free-things-is-freeing-up-our-income/ Sun, 23 Jul 2017 17:14:57 -0800 Like most people, I like free things. In fact, I was walking around my house a few days ago and (no exaggeration) about 70% of the furniture, decorations, and electronics were given to us at some point over the last few years. Now to be clear, we’re not a charity case, we’re just frugal. Some would say VERY frugal, but honestly, we just enjoy tak…[Read more]

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