It’s official…we are completely debt free!!! Last week we paid off the mortgage and couldn’t be more excited. Especially since our plan was to pay off the 15yr loan in 7yrs…and we did it in less than 5!! To be honest, though, I’m still trying to grasp the idea. I mean, it’s not like we […]
I’ve always been labeled a tightwad. I don’t like to spend more money than I have to and I’m often more hesitant to spend money period. I’ve been made fun of…but I’ve also been able to buy things with cash that most people rely on debt to acquire. I only mention this because part of […]
When I was a kid, my dad had a skilsaw. Anytime he used it, he made sure we stayed far away so we wouldn’t get hit by flying debris or get a hand close to the blade by accident. He knew how powerful that tool was and how much damage it could do if it […]
Habits are hard to start and even harder to break, typically. But it’s not your fault. It’s often a result of the wrong process to start or break such actions. Have you ever started budgeting but missed a month or two and then gave up? Maybe you worked really hard to control your spending but […]
Part 4 of 4 part series You’ve saved up your money, you’ve found the perfect neighborhood, and you can actually afford to make the monthly payments without being stressed. It’s time to buy, right? Not quite… Just because you can afford the loan doesn’t always mean you have afford the house. For new home owners, […]
Part 3 of 4 part series Once you’ve put yourself in a good financial position and determined where you do or don’t want to live, it’s time to get practical in your home buying journey The bottom line is you have to be able to afford your house. Notice I didn’t say you have to […]
“I’d rather have a car payment than a repair bill” said no one who actually understood why a car payment is a bad choice. When it comes to justifying a new car purchase, believing reliability is a factor will cost you dearly. Tired of making bad vehicle decisions? Take a right turn and schedule a […]
Part 2 of 4 part series Family is one of the best things a person can have. But it can also be one of the biggest annoyances. And when you’re buying a house, that blessing or annoyance is something you don’t want to overlook. I’ll just be frank with this tip. Know how close you […]
Part 1 of 4 part series Buying a house is one of the most exciting, most stressful, and most important decisions you will ever make. It’s likely the biggest purchase you’ll ever make for sure. Which means it’s extremely important that you are prepared and don’t rush into buying a house before you’re ready. Let’s […]