Student Loan Forgiveness Program To Be Cut???

Has anyone seen this news story floating around the interwebs? The headline reads: "Trump to Propose Scrapping Beleaguered Student Loan Forgiveness Program." It's got a big picture of Betsy DeVos face floating around with the headline. In the story, reporter Jillian Berman discusses how a leaked education budget shows plans to eventually chop the Public Service Loan Forgiveness program (PS [...]

When is it Safe to Use Up Your Emergency Fund?

Would you say it's safe to use your emergency funds to pay off credit card debt? Many would see this as insane, unheard of, or outright unwise. Who would presently touch their emergency funds when it will come in handy if you need it the most in future? First Things First There is no way you can talk about an emergency fund when you don't have one to begin with. It's important to set aside f [...]

Creative Ways to Save Money when Moving

If you're anything like me, moving can be quite daunting. Besides the sheer volume of labor, there is a lot to figure out. What made our move more challenging was that our family is on a tight budget, we had some major time constraints such as only having the evening and weekends to get our packing done, and we had accumulated a lot of stuff over the years.Below are some of the major and minor sav [...]

Loan Defaults and 5 Ways to Get Out of It

In layman's term, loan defaults are simply debt that you weren't able to pay. Loan defaults apply to any type of loan - car, home, student, SBA, 401K, payday loans, and the most common - credit cards. Defaults will be incurred once a consumer fails to pay the borrowed amount to their lender, and once a certain period of time has elapsed, your debt will be recorded and will forever be a part of you [...]

"Fun" Little Freak Out

Let me share with you a story about an all-out “FREAK OUT” moment I recently had regarding my pay. In terms of back-story, I am on a 9-month contract which ends May 19. When my new contract goes into effect I’ll be switching to a 12-month contract. But that contract does not go into effect until the start of the fiscal year, July 1st. In the interim (May 20-June 30), I will be receiving p [...]

Ashley's April 2017 Debt Update

Hi All, May the fourth be with you! (heh, get it - May 4th? okay enough of that.)  : ) It's another month and another opportunity to put a little bit of debt behind us. Here we are and I feel a bit at a crossroads. I haven't included the IRS in our debt spreadsheet because - honestly - I'm still so embarrassed that we owe so much!!! I've worked out a payment plan and we will be paying a [...]

Medical Debt Collection Update

Back in January I wrote about how I'd accepted a settlement offer to pay off an old medical bill for less than what we really owed (we paid $3,647 and they forgave the remaining balance of the $5,610 debt). So for the past 3 months we've been making huge ($1215/month) payments. The last payment was April 17th. I did a little happy dance, and celebrated with hubs about how the last of his medic [...]

Happy Easter!

For those who celebrate, I hope you had a great Easter yesterday! It was the first year that the girls really got it on their own. In the past, we've held hands and more-or-less led them to eggs, coaxing them to pick them up and place in their baskets, etc. Not this year. We went to our neighborhood's egg hunt and as soon as they gave the command, the girls RAN to get eggs. It brought me so much j [...]

Our New Life in Full Affect

The last month has been a blur.  Today is my one month anniversary on my new job.  It is going great, and I am LOVING what I do. The wait was worth it to find the perfect position and the perfect company. I am so grateful. Let me fill you in on what has been happening: Worked 40 hours per week in the office at my new job. Continued to work 25 hours a week for one of my part time jobs. [...]

Car Repair Bill

As if we don't have enough bills to worry about between our normal debts and the new tax debt, I've got another new bill to foot this month as well. Remember when I wrote about my power steering suddenly going out without any advance warning (and in the absence of any collision or other obvious cause) while I was driving home from work? Well, it's been quite the inconvenience over the course [...]

Ashley's March 2017 Debt Update

March was a whirl-wind of a month! I was gone for a couple days in Texas, the girls had an entire week off school, and it felt like we were being pulled in a million different directions by all of our disparate responsibilities. I'm glad to be back in more of a routine this month and am already looking forward to May. For us in academia, it signifies the end of another academic year and the beginn [...]

5 Expert Tips on Managing Your Money After Retirement

You work your entire life and as a reward, you get to retire. But the reality is that your 'work' does not end the moment you receive your gold watch. Instead, you need to keep managing your money to make sure you can enjoy your golden years. While this might sound like a lot of effort, the reality is that it can be quite rewarding. After all, it is your money. As such, here are five expert tips o [...]


Are you superstitious? I'm typically not. But yesterday as I was typing up a post about mending holes in pants and being mid-way through a No-Spend week, I swear I felt a little bit like I was jinxing myself. I ended the post with this one sentence: Fingers crossed there are no disasters and nothing crazy comes up! (knock on wood) I swear I felt a little tingle in my tummy, and the hairs on [...]

Mended Knees: A Lesson from the Kiddos

Yesterday as our kids were getting dressed for preschool, one of my daughters picked out a pair of pants to put on that had a big hole in the knee. My initial thought to myself was, "well, those pants now belong in the trash." I told my daughter the pants-with-the-hole weren't going to work and that she needed to pick out different pants. Her initial reaction (in stark contrast to mine) w [...]

Living Frugally in the Big City

If you live in one of the major cities, there is no doubt that you and your family are affected by the higher cost of living. While wages in a metropolis tend to be higher - the increased cost of living makes those wages feel minimal. If your family is struggling to find extra money in your budget, cutting unnecessary expenses and utilizing money-saving strategies can help you make ends meet just [...]

4 Rental Laws Every Seattle Landlord Should Know

No matter what part of the country you're looking to live in, rental laws can often be confusing. For landlords especially, it's crucial to understand how the landlord-tenant laws operate in your area, in order to protect yourself from any unwanted conflicts. One place which has an array of quirky rental laws is the city of Seattle. With the most recent census data from Seattle finding that nearly [...]


With so many disparate goals for this year, some that focus on debt-reduction and others focused more on savings, I felt a bit like we've been playing a game of tug-o-war. We want so many different things and, like a child, we want them all NOW!!! Ugh. Why does adulting have to be so difficult?   Source - Someone, buy this for me! ; ) When we got hit smack in the face with our loo [...]


I thought the kids Medicare might carry over for a few months while I got settled in at the new job and decided on new health insurance, but because we moved states it will only cover emergency room visits. I could apply to move it to GA but with my new job and income, I no longer need too. Yippeee!!! I am keeping it for emergencies while I get everything settled, but now I have to figure out w [...]

Today is the Day

In just a few short hours I report for my first day of my new job. It will also be the time I get a better grip on what this will mean for us financially as I see the health plans, 401K options and so on.  Pray for wisdom as I make those kind of decisions. I'm grateful for Ashley's recent post on her Tax Issues, not that she has the issue, but it raised a flag for me as I go to fill out the ta [...]

Insuring Cars Today vs 3000 Years Ago

Originating in Babylonian culture, casualty insurance -- as the name implies began as a form of risk management used by individuals to assure the safe transfer of property to another upon one's untimely, or unplanned, demise. When the items were given to the benefactors, an extra toll would be paid for the goods to be protected against casualties such as loss, theft or damage. Should the merchant [...]