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What Are You Cutting Back On?

I recently came across an article over on CNNMoney about where some Americans are cutting back in their spending. I found the results very interesting. 1. 50% of Americans plan to buy an HD or...

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Are You Living ‘Within Your Means’ or ‘Below Your Means’?

Recently, there was an article on CNNMoney that tried to define the phrases ‘living within your means’ and ‘living below your means’. I think they are two phrases that are completely different and here...

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Even a Small Emergency Fund Can Bail You Out

Having a small emergency fund while getting out of debt is critical. As I mentioned in other posts, one of the first steps to getting out of debt is not adding to it. Having a cash reserve, no matter...

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Why We Use Mvelopes and How You Can Save 25%

I haven’t really talked about our budgeting system yet. I guess I’ve held back because we have a different situation than most (in not all) of you. Since I live in another state during the week, we...

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Packing Lunch For Work Just Got Easier

Over the past two years of reading personal finance blogs, I’ve seen plenty of articles on packing lunches to save money. As much as I love the idea, I just couldn’t make it work. I absolutely HATED...

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