The Green Eyed Gimmies

Has anyone read the classic Bernstein Bears book (or seen the associated cartoon) about the Green Eyed Gimmies? It's really a lesson for children about how they should be happy with what they have and not always be looking for something new/keeping up with the Jones', etc. But it's hard not to make those social comparisons, you know? It's a natural human thing to look at our neighbors and fe [...]

Grin and Bear It!

Hi all! I hope your weeks are off to a nice start! It's still stifling hot here in Tucson (mid 90's over the weekend), but we've been packing in lots of fun fall activities! This weekend we went to a pumpkin patch and the kids had an absolute blast! As they get older it's so fun to really celebrate and enjoy the holidays together! Today I just wanted to give you the latest on my Navient grie [...]

Ashley's September 2016 Debt Update

Better late than never, right? After I realized I'd missed our extra student loan payment, I initiated it on October 1st (a Saturday). It showed "pending" in Navient's system for several days and didn't actually show up as being applied until Wednesday. I don't like posting on Wednesday (I like to leave it for Hope), so here we are with our SEPTEMBER debt update nearly a full week into the mont [...]

Navient is Back At It Again

Just the latest in my long, long history of grievances with Navient. When I realized I'd missed that extra debt payment in September, I was carefully reviewing my account history and something jumped out at me that caught me off-guard:  I'm being over-charged roughly $500 per month. I'm embarrassed to admit that I hadn't noticed the egregious error earlier. I blame it on my busy schedule, b [...]

Debt Update Soon

Guys! Just one more reason I'm thankful for this blog - it forced me to catch an error on my part! For some reason in our budget (we love & use YNAB) I had entered our planned extra student loan debt payment, but I never actually scheduled or initiated the transfer. So when I sat down to type up our debt update for the month of September - gasp - I realized I'd totally missed a major pay [...]

Why Small Businesses Fail

You've worked hard to grow your small business. It's grown from an idea to an income producing enterprise. Yet despite your best efforts, you're not sure if it will survive. Statistically, even initially successful small businesses have sputtered and died. While there are many macroeconomic reasons why this might happen, it's usually an internal issue that causes the small business to implode. [...]

FTD Awareness

Hi, friends! Thanks for all of your comments on this post! I have loved reading your success stories. It has been so helpful to read about so many who have successfully navigated a mid-life career change and come out on the other side better for it. I so appreciate your support! Today I'm re-posting an old blog (originally published here). Partly because I've been dealing with some serious FTD- [...]

5 Ways to Remove Debt Collection Accounts from Your Credit History

There are several ways you can remove collection accounts from your credit report. Some removal methods may require negotiating. Others methods may require paying part or even all of the debt you owe. Each method listed below may be right for some situations but not others. Carefully consider the pros and cons of each method before you use it. Negotiate Settlement with Creditor It may be [...]

Mid-Life Career Changes

I come to you today with a bit of an announcement.....though nothing has actually changed yet, so it's more of an announcement of things to come (not of things that have already transpired). I'm sure it's pretty evident that I've been overwhelmed with work lately. I haven't been able to blog nearly as frequently as I'd like; I've sometimes written reactionary/overwhelmed posts (like this one); [...]

How Your Debt Affects Your Credit Score

One of the most influential factors of your credit score is your debt. In fact, debt makes up 30% of your credit score. Carrying too much debt can lower your credit score. However, not having enough debt can also cause your score to take a hit! Confused? You should be. Let's start with the basics. What is credit utilization? Credit utilization is used to calculate your credit score. T [...]

Different Ways to Deal with Unexpected Emergencies & Bills

The downturn of the worldwide economy has caused most of us to watch our spending. While you may be doing well to track your budget, unexpected bills and emergencies can quickly result in financial worries. According to a study published last year, more than 60% percent Americans don't set aside enough rainy day funds to handle minor emergencies. Just 38% of them said they're in a position to m [...]

10 Money-Saving Tips Every College Student Needs To Know

Earning money is a difficult task especially if you are a student. While studying in college or university, most students do not have time and possibility to have a full-time job as studying takes all of their time. Thank God for the parents who support them and give money. Let's be honest and remember times when we were students - we ran out of money sooner that we thought we would. With time mos [...]

Change of Plans

Sooooo, THIS happened over the weekend.   If you ask the girls the story of what happened, here's what you will hear: Bailey:  Brooke pushed me off the giraffe!!! Me: The giraffe????  Do you mean she pushed you off the bed??? Brooke: NO! I pushed her off the giraffe!!!!   We do have a stuffed giraffe chair animal thing (if you're curious for reference, it's si [...]

5 States with Affordable Homeowners Insurance

It's common to find people relocating from one part of the country to the other these days. Many people do it as they change jobs or as a result of personal or family needs. If you're planning to relocate, there are various factors you ought to consider first before deciding on your new place of residence. Top on the list of factors that many people consider when moving is real estate value. Wh [...]

Buying & Selling Houses

For someone who has had zero experience with real estate in the past, I'm sure getting pretty familiar with the buying and selling of homes now! We have officially hired a realtor to sell my Dad's Texas house (I orchestrated the sale of his Utah house over summer; it closed in mid-August). It needs some make-ready stuff so it's not on the market yet, but should be within 2 weeks' time. All the [...]

Spreading Risks & Getting Out Of Debt

Debts are brutal. They can crush all your finance plans and make your life headed in the wrong direction. Many people do try all they can to avoid the bad omen that accompanies massive debts but only very few do have some success. Reasons for this are numerous and most probably, bad debts can be linked to the poor financial judgments we inflict on ourselves. Staying debt free is an ultimate dream [...]

Money Down The Drain

First, thanks for the responses, comments, and helpful feedback on my last post. Edited update: I did type up a full proposal and email but, after thinking better of it, I never sent it. Instead, I sent an email asking for a brief meeting sometime in the next couple weeks and already received a reply that we'll meet on the 20th. Further out than I'd like, but better than nothing. Then we can d [...]

Four Full-Time Businesses You Can Start on a Part-Time Budget

When I talk to people about their ideas on starting a business it generally boils down to the fact that they don't have one of two things: Time Money Well, yeah, don't we all have those same thoughts? People do make it work, though, because it greatly depends on the type of business you'd like to start, how well you are with time management and understanding that you don't need to inve [...]

Can't Do It All

We can't do it all. Everyone knows that. But sometimes we still try. Maybe try to convince ourselves that we're exempt from the cold hard truth. Guys. I don't know if I can keep my part-time job much longer. My goal was to keep it for another full academic year (being done at the end of next summer), but I am really struggling. I'm barely keeping afloat of my responsibilities and the whole hous [...]

How to Write an Accounting and Finance Personal Statement

Accounting and finance are the most popular faculties nowadays. Young people want to connect their future with business and finance; therefore, more and more students apply for the educational institutions to study these disciplines. A personal statement (also known as application essay) is one of the most notable documents required for the successful application. Students have to demonstrate t [...]