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’m not too excited about getting another stimulus check. In fact, I wasn’t in favor of getting the first two. Granted, I’ve taken the money and applied every penny toward my mortgage…which has expedited our payoff timeline. But I would have rather taken one more year to make the extra payments myself. Why am I […]
A friend recently asked me to create a financial calculator. He wanted a tool that would measure the impact of overall net worth, mental and physical health between using debt and using cash to buy assets or operate a farm. He wanted to analyze which approach would provide the best result, considering all factors involved. […]
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 […]
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 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 […]
“I bought a new car because I needed something reliable” “I’d rather have a car payment than a repair bill” “My family needs something safe, so I need a new car” I can’t tell you how many times I’ve heard people make these comments. But it’s the wrong mentality. Before I share this story, I […]
Babies often go through a progression before they can walk. It starts with a simple roll on the floor, going back and forth. Eventually, they learn how to crawl. And then one day, they just decide to start walking. One step leads to another and pretty soon, you can slow them down! I know–my young […]