Extended Warranty to the Rescue!!!

Back when we bought our new-to-us (then only 1-year-old) car, we added all the warranties on top of the sales price and financed it all together. Remember, this was back before any debt-reduction mission or such. After listening to Dave Ramsey, I've now learned that the majority of extended warranties are a total waste of money (disclaimer: I don't blindly believe everything Ramsey says, but I [...]

Vacationing on a Dime: Camping With the Family

Americans are known for being avid road trippers. We're eager to load up the car, pack a few travel games and head out to take in the wonders of our natural surroundings. Investing in a family vacation isn't just about seeing the sights. Family travel is an important investment in each other, our physical health and our mental well-being. Unfortunately, many families forgo family vacations beca [...]

Is Making Money with Rideshare as Easy as They Say?

Hailed as the newfangled way to reach your financial goals in your spare time, ridesharing is marketed as being accessible and cost effective for virtually anyone with an automobile. Are these claims true? While the "anybody can be a cab driver" mantra of ridesharing is fairly accurate, and no one is doubting the potential to generate income by driving strangers around town, the expenses and hassl [...]

Clever Ideas for Saving Money and Leading a Healthy Lifestyle

Saving money is something that anyone can do, but sometimes you need new ideas to get you motivated. If you have debt that you want to pay off, or you are saving up for a major expense, such as purchasing a house, you may need to look for aggressive ways to cut back on your spending. Often, the spending habits that people have are directly related to instant gratification or habits that are unh [...]

Work Trip = $$$

I have a conference for work that I'm attending in early August. It's a conference that I've heard people talking about and suggesting in the online-teaching world for over a year, but I've never been before. I'm super excited because I applied to be a presenter and was accepted so it's also a nice little CV-boost as I venture more and more into the world of online education (all my previous wo [...]

Summer Childcare Update

Hi guys! I hope your Monday is off to a good start! Remember when I talked about our summer childcare plans? We ended up opting to hire a babysitter whose been coming to our house to watch the kids 3 days per week. I wanted to give a little update on how it's gone. First, in case you hadn't noticed from our recent budget update, our childcare costs have been way down compared to the academic [...]

Ashley's June Budget + 2016 Goals Update

As a reminder, we have 3 concrete financial goals that we’re working on in 2016: Save $10,000 for a down payment Save $5,000 for an emergency fund Put $30,000 toward debt. Even amidst some obstacles that have caused us to have to withdraw money from our EF (for expenses related to the death of our beloved dog and a plane ticket home for my Nana’s funeral), we’ve still managed to m [...]

Happy Independence Day!!!

Happy 4th of July to all our U.S. readers and friends! I wrote up a full budget update, but since my normal blogging day (Monday) happened to fall on a national holiday, I decided to push it back so it's scheduled to go live tomorrow morning. Check back for that content post. In the meantime, I want to wish all our American friends a happy 3 day weekend that is hopefully full of the 3 F's: [...]

Ashley's June 2016 Debt Update

I'm really excited about this month's debt update! I'd originally hoped to put a solid $4,000 toward debt this month and, although we didn't quite hit that number, we did put a full $3,500 toward debt! I know I've said this before, but moment of silence for that huge, astronomical number! ((((((silence)))))) Thank you! I just like to acknowledge that $3,500 is a ton of money! If the average [...]

4th Birthday Extravaganza!!!

This weekend we celebrated the girls' 4th birthday! This was the first "real" birthday party we've ever had for them. In the past, we've only ever done small at-home things with our family. It's been very small (as in, me, hubs, and the girls with a 4-pack of grocery store cupcakes; no decorations and minimal gifts). But this past year changed things. They started attending other kids' birthdays [...]

Small Goals Met - Emergency Fund, Credit Repair and more

Just dropping in to share some exciting news...I've met one of my small financial goals on my road to getting back on my feet.  I now have $1,000 socked away in an emergency fund.  Woohoo! With that goal met, my next goal is to clear up my credit a bit.  When I originally met with the mortgage company a few years ago regarding financing our build, they referred me to someone who came highly [...]

Peeking in to say Hello!

After a whirlwind trip to Utah (one full day up; one full day back; only 2 days there), I'm back in Tucson and back at work. I am eternally grateful that all of these issues are popping up during summer when I have a pretty flexible schedule. Even so, it's been tough to keep up with work, as I missed 3 days the first week of June (for my grandmother's funeral), had one solid week back at work, [...]

5 Ways To Make Money Writing

The 21st century has been characterized by the world progress, development of information technology, new opportunities, incredibly fast growth of ideas and people ready to accept all these challenges. The progress is not the same in different countries. For example, compare some countries in Africa with America or Europe. Some of the casual items that The Americans use every day in their life [...]

Is a Rental Property a Good Pension Investment?

Pensions are not what they once were. There is no such thing as a final salary pension these days and most jobs are not for life. You could rely on the state to pay you a pension on retirement, but unless you enjoy living in straitened circumstances, this is probably not a good idea. Instead, you should look to supplementing your pension with extra contributions, or look at other ways to generate [...]

My First Estate Sale - HELP ME!!!

Hi guys! I gotta pop in for a super quick post today because stuff is crazy right now! My family (hubs, me, and the 4-year-old twins) drove up to Utah on Wednesday. We usually split the 12-hour drive into 2 days but pushed through and did the whole thing in one day. The purpose of our trip was to finish clearing out my Dad's house. I came here in November when my Dad officially moved, but [...]

The Twins

[caption id="attachment_11326" align="alignleft" width="368"] History Buff (L) and Sea Cadet (R)[/caption] On my last post, several people asked about the twins and their plans.  Since we have been discussing that ad nauseum around here, it's an easy post to write. The twins just completed their junior year of high school.  (For those that haven't followed our story, just a little background. [...]

Cruising With Kids: Must Haves (and Do Withouts)

This post is long overdue, as we returned from our Cruise 2016 in early May! But life happened, as it always does, and this got away from me for a bit. Luckily, I'd jotted down some notes while we were still on the cruise so I wouldn't forget. And I now present to you a list of "Must Haves" and "Do Withouts" for cruising with young children. Note, this is only from our own experience so I can't [...]

May 2016 Debt Update

Late is better than never! Plus, my debt payments are all scheduled for middle-to-end of the month so these are all still true numbers, no additional payments have been made in June yet. Here ya go: [table id=81 /] The past couple months (April & May) had smaller debt payments than what I'd originally planed. One of our 2016 goals is to pay $30,000 toward debt in total. Here's a table sh [...]

My Absence

I apologize for my absence these past weeks. And I hate to say, I may be absent for a few more. Life has come flooding back like a tidal wave after months of trials and despair. And while it hasn't all been candy and flowers, lots of good things happening. I have two very steady clients now that are giving me more than full time hours, sometimes closer to double full time. The pay is decent [...]

Money Saving Tips

It's been a long time since I've posted a money-saving tip, but they're still a big part of my life! When I first started blogging, I posted little things we did to save money all the time. Here are some examples (and for the record, I still do ALL of these things....with the exception of the homemade baby wipes since the kids have now outgrown diapers!!!): Making homemade cleaning spray and [...]