Net Worth Update June 2017: Up $100,000 in 14 months!

Wow.  This shit really works.  All of this personal finance educating, plotting, and analyzing has really paid off in the last year. The last time I posted about it in April 2016, my net worth had just topped $30,000 and I was super excited about that. I took some time off from tracking it for … Read more

August Debt Reduction Progress: $2,481.59

August Debt Reduction

Due to the unexpected 180-degree turn my life took a couple of months ago, I have not yet implemented my debt reduction plan to pay off $305,000 of in just 2 years.  However, even though my life got flipped, turned upside-down (you know you just sang that as you read it), I have managed to … Read more

How I plan to pay off $305,000 in less than 2 years

So I’ve been doing the math – a lot of math – and I’ve decided it can be done.  If everything goes according to the latest plan I have worked out, I can pay off $305,000 of debt in less than 2 years. Here’s my debt:         That’s a really big number. … Read more

Dave Ramsey vs. Mr. Money Mustache

DR vs MMM

Since I’ve started adulting (which was last week) and educating myself about personal finance, I have settled mainly on two schools of thought that are shaping my financial destiny.  They are very different (actually, not at all alike), however I find them both informational and entertaining.  The first site I found by Googling “how to … Read more

Sinking Funds and Christmas Freak Outs

Sinking Funds

I tend to have freak outs often throughout the year.  They are usually triggered by company coming over, which is usually related to a birthday or holiday.  Whenever someone asks me “What’s wrong?  Why are you acting like a psycho bitch?” the answer is always one or more of the following:  the house isn’t ____________ (clean/big/nice) … Read more

Step 3: Take Action!

Step 3: Action!

As you know, in step 1 I acknowledged that I have some shit to deal with.  In step 2, I began to educate myself by researching the options for dealing with my financial mess.  In step 3, I’m going to start putting a plan into action. I have a mountain of debt.  I’m still building … Read more

Step 2: Educate – Debt Payoff Techniques

Percent vs. Debt

Once you realize that you have a problem and you’ve figured out what it is (or multiple problems, if applicable), next begins the often daunting process of educating yourself on the options for fixing your shit. My most pressing problem was debt.  It was monstrous, and it was going to continue to grow for awhile.  I had … Read more

An Expert’s Guide to Living Outside Your Means

Quick Tips to Live Outside Your Means

I grew up in a family that didn’t talk about money at all.  My parents didn’t use credit cards.  I didn’t know anyone who used credit cards.  The extent of my knowledge about my parents’ finances consisted of: They had no mortgage because the house was my grandmother’s My dad paid taxes on the property … Read more

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