Focus

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 [...]

Healthcare

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 [...]

Spring Break (+ Feb. Debt Update)

Hi All! Last year, my first year back to full-time work, my Spring Break happened to align with my kids' Spring Break. I remember at the time colleagues mentioning how lucky that was and to appreciate it. So it was no real surprise when this year rolled around and, looking at our academic calendars, I realized our Spring Breaks did not align. Bugger! But, I think we're also making the best [...]

How Midlife Affects Your Insurance Needs...Are You Covered?

You've no doubt heard of a midlife crisis: the time in life where you realize that you aren't going to live forever. As a chance to take stock of the plans you had in your youth and square them up with where you stand now, midlife can be a time of great strife for some people who haven't achieved their goals. The good news is that by definition "midlife" means that you are only halfway through. [...]

Financial Survival Prep Guide for Students on a Shoestring Budget

Whether you are a student feeling the pinch of debt and itching to get a little bit to spend at the bar, or you're trying to make ends meet and study too, stretching scholarship money, online credit rates or juggling part-time jobs, it's prudent to have a financial map in place so you can navigate life more easily. Since Jill Stein didn't win the election and there is no other way student debts [...]

Creating a Post-College Financial Plan to Stay Out of Debt

Millennials are finding themselves in unfamiliar territories after completing their college studies and starting the real life of looking for a job, paying bills and definitely paying off huge amounts of debts. The situation can get depressing if you are coming from a situation whereby all your bills were taken care of; and then suddenly you are in this environment where you have monthly student l [...]

New Job and a New Outlook

I am slowing shedding the feeling of shame I've been carrying for the last couple of years since we moved out of our home and into the apartment.  For the first time in a LONG time, things are really looking up!  It has been a really rough time, especially since December when everything changed so suddenly. As I mentioned in the comments of my last post...I GOT THE JOB!!! It's full time, f [...]

Well Crap

It's been a long time since we've had a major financial set-back. A really long time. In fact, everything has been going rather smooth over the course of the past year or so. Income is up, outflow is down, we just hit the half-way point in our debt reduction journey. Life is good! Until.....tax time. We met with a CPA on Friday. Turns out we didn't have all our sh-t together so we have to [...]

Finance Management in Your Forties: 5 Important Factors

Many people consider their career high to be somewhere in their forties. Combining the ambition and excitement of their earlier years with the experience that comes with time, your 40s could be a time where you have made the right decisions and are enjoying a certain stability in your life. It could also be the most important time to start some serious planning about your family's future and to th [...]

Rain and Gusting and Ice: How to Drive in Bad Weather

Picture the ideal day for driving. It's probably mild and bright without a cloud in the sky. Unfortunately, the weather rarely complies with our driving wants and needs. Most peoples' first choice would be to stay off the road during inclement weather, but sometimes life beckons. Whether you're commuting to work or embarking on a road trip when a storm hits, how can you prepare for bouts of bad we [...]

Things to Know Before You Start a WordPress Blog

If you've ever considered starting a blog, you have probably been advised by friends and fellow bloggers to use WordPress to start your blog. That's with good reason. WordPress blogs are flexible, customizable, and easy to use - all great things when starting a blog, especially if you are a beginner. But there's an important decision you'll have to start a WordPress blog before you dive in. Whe [...]

Cross Your Fingers for Me

Later today I have what I think will be a final interview for a full time job here in GA.  It's the one I referenced here that called me on our move down.  I've been through the first interview, personality test, submitted professional references, so I think this should be the last in person part of the process... Not counting my chickens before they hatch, been through too much of this in th [...]

Tax Time!

It's that time of year again...TAX TIME!!!! This year I'll be responsible for getting the taxes done for two households:  my own and my father's (side-note: my dad has frontotemporal dementia, as explained here). Last year at tax time, my brother physically went with my Dad to an H&R Block to have his taxes done, at his request. It worked out, but was a whole mess because then my Dad lost [...]

New Job!!! (Kinda)

If you’ve been reading my posts lately, you know that I’ve been hinting at some job changes coming up. For the past year and a half, I’ve had two jobs.  Job A: My full-time (in person) academic job. Job B: Adjunct teaching part-time online for a different place. It sounds reasonable, but my “part-time” job was like working the hours of another full-time job and I knew the schedule was u [...]

Valentine's Day Kid's Craft

We have a long history of using homemade kid's crafts as a way to give gifts to friends or family in an affordable way, while still having a personal, meaningful touch. This year, we decided to make some homemade Valentines for the kids' class. To be fair, we did still buy some Valentines because the twins are in the same preschool classroom so we didn't want to be giving identical/duplicate ho [...]

And we have moved!

Day 1 of the rest of our lives is upon us.  We have finally made the move from our very high priced hometown to a very small town three states away.  The last two days during the move, I have woken up feeling so much hope just overflowing at what the future holds.  We will be living with my grandmother as we get the lay of the land before seeking housing of our own. And I got a sign that we [...]

Ashley's January 2017 Debt Update

First, thanks for all the great comments and advice on my Medical Debt Collector Dilemma post! If you haven't read the comments, then I'll give you the update:  I was able to negotiate our medical bill down into 3 equal sized payments to be paid across the next 3 months (February through April), and then the medical debt will be GONE and nearly $2,000 will be forgiven. Some commenters noted ho [...]

Signs It's Time to Replace Your Pipes

Most areas have a fair share of older homes and with older homes comes older plumbing systems and pipes that may need to be upgraded or replaced. While this is not a fun or pleasant prospect to think about, in many cases it will be completely necessary. In order to remove and replace underground pipes, professionals will have to use a pilot tube guided auger boring machine. These machines make it [...]