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I don't think you're being cheap either.  Have you tried Craigslist though?  One man's trash is another man's treasure. :-)

4 days, 1 hour ago on Am I Being Frugal or Cheap?

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I struggle with #4 and #3 too.  I want to be so involved with the blogging world that I forget I've got a family here that needs me, and then it's vice versa. :-)  Blogging is awesome, but it is a lot of work.

1 week, 4 days ago on 5 Things Every Blogger Struggles With

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I'm not a big fan of public transportation, but that's easy for me to say, living in the boonies.  I can see how it could be valuable to those living and working in the cities.  My dad is absolutely loving the new light rail b/c he lives in the heart of St. Paul, and gets to ride for free to the VA because vets ride free.  I think that's a sweet feature of the light rail and love that they're honoring our vets in that way.

2 weeks, 3 days ago on Is Public Transit Worth the Hassle?

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This is what I simply love about freelancing: I can do it anytime, anywhere.  That truly is a dream job.  Great post, DC!

3 weeks, 4 days ago on How to Make Money While on Vacation

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That barn is SO gorgeous!!!!!!  I'll bet it was a lovely wedding.  We do the county fair here instead of the state fair.  It's more our speed. :-)  Have an awesome weekend, DC!

3 weeks, 6 days ago on The Weekly Quick Hits Roundup

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I really need to be entering more giveaways - you guy rock at this sort of income!

1 month ago on How to Make Money Entering Giveaways

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We're big believers in keeping our income private too, for all of the reasons you mentioned above.  Just too many cans of worms that can be opened up. :-)

1 month, 1 week ago on Should You Share Your Salary?

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I used to watch lots of football and baseball, but now pretty much only watch on Superbowl Sunday.  Too many other things vying for my time. :-)  Have an awesome time at the bachelor party, DC!

1 month, 1 week ago on The Weekly Quick Hits Roundup

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Spot on here, DC.  In spite of our debt load, we are very lucky that we started saving for retirement early.  It really can make the difference between financial success and financial failure.

1 month, 2 weeks ago on Retirement for Millennials: Get Started!

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I like to stick with the lower calculations, just for safety's sake.  Then I won't be disappointed when it's higher. :-)

1 month, 3 weeks ago on Is it Accurate to say the Stock Market Returns 10% on Average?

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Huge congrats on the new members of your family!!!  SO cute.  We have a "Tucker" too. :-)

2 months ago on The Weekly Quick Hits Roundup

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Perfectly put, DC!!!  I couldn't have said it better myself.  With our huge debt load, we've temporarily slashed giving quite a bit, but still pray constantly as to when and where the Lord wants us to give.  Often times too, we are able to give of our possessions (such as clothes the kids have outgrown) or our time (such as helping the needy in some way) which helps us to make sure we keep our focus on others even if it isn't as much monetarily. Great post!

2 months ago on Should you Donate Money When you are in Debt?

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Happy 4th of July, DC!  Looking forward to hearing more about your new job/team. :-)

2 months, 2 weeks ago on The Weekly Quick Hits Roundup

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Happy birthday, DC!!  My bday is in a few days as well. :-)  Very cool about Kirby visiting you in the hospital, and so glad you survived that dangerous asthma attack!!!  My second born definitely needs time to be alone and recharge too, so I totally get that.  Thanks for sharing, DC, and have a great day. :-)

2 months, 2 weeks ago on 20 Random Things about DC of Young Adult Money

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Good tips, Cat!!!  We'll have to keep this in mind for when we start furniture shopping.  Our stuff is getting pretty old. :-)

2 months, 3 weeks ago on How to Get High-End Furniture for Cheap

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Wow, DC!!!  I've never noticed this section before!!!  We are in need of a new washer/dryer, so I'll definitely be checking this out: thank you!!!

3 months ago on How to get free stuff on Craigslist

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Isn't it funny how we change, Shannon?  For Mother's Day, Rick bought me a 97 cent card and a package of Double Stuff Oreos (my very favorite).  Knowing that he's totally on board with the new, frugal me, and that he put so much thought into getting me something that I'd love but didn't cost much, made this one of the best gifts he's ever given me. :-)

3 months, 1 week ago on 5 Gifts That Will Tick Off Your Frugal Wife

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Insurance claim: you saved LOTS more money than a grand there, DC.  From what I'm told from various insurance agencies, no type of flooding is generally covered unless you have flood insurance AND the flood comes directly from a river or lake.  Not sure if this is true, but it's an answer I'm getting all over as I research this stuff.  You may have had to pay to repair/replace everything out of your own pocket.  Great work, my friend!

3 months, 2 weeks ago on How Complaining Saved Me Thousands of Dollars

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Shannon, wonderfully put!!!  I love how you said you almost detest spending now.  We are at that same place, and it's a great feeling, isn't it??  Also love what you said about your financial health being a marathon; it sure does make a difference when you're thinking long-term. :-)

3 months, 3 weeks ago on The Cure for Affluenza

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Great points here, DC.  The inconsistent pay is the one that bothers me the most, but I'll take it so I can work around homeschooling and being with the kids.

4 months ago on 5 Drawbacks of Freelancing and Consulting

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Woohoo!!!!!  SO, so, excited for you guys, DC!  You're going to have a great time. :-)

4 months, 1 week ago on The Weekly Quick Hits Roundup

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I am amazed at how easy it is to go to Vegas for cheap or free.  I haven't been there in years, but would definitely use these tactics if going again.

4 months, 2 weeks ago on How to go to Vegas for Cheap – or even Free

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Can't wait to hear the results of the contest!!!  We have to do a retaining wall re-do soon too, and I love the idea of you putting a privacy fence up.  There's something about that feeling of having your yard all to yourself. :-)

4 months, 2 weeks ago on The Weekly Quick Hits Roundup

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Thanks for the mention, DC!  Looking forward to hearing if you win the trip - you'll have to let us all know. :-)

4 months, 3 weeks ago on The Weekly Quick Hits Roundup

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LOVE this, David.  This is our same plan.  It's scary and risky at times, but better to take action to reach your goals than to sit and wish, right? 

5 months ago on How I Plan on Fast-Tracking Financial Independence

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Great post, DC.  When I was younger, I always assumed that those with nice stuff had lots of money.  Then I learned, through my banking and mortgage career that they often just had lots of debt.  It's so easy to assume that those with nice houses, cars, etc., have boatloads of cash, and to be jealous and/or aspire to be like them.  Now I truly understand the difference between the affluent and the wealthy.  It's often two different things.  

5 months ago on When I Realized Ownership and Passive Income are Key to Wealth

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Lindsey, LOVE this.  And I have so been there, done that, and you're right : putting yourself first, in a taking care of yourself way, makes such a huge difference.  It's like, all of a sudden money isn't the end all/be all.  It doesn't have a hold over you anymore.  Yay!!

5 months ago on My biggest Aha! money moment: Live a good life

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#1 and #4 are a high priority for us.  We've gotten fairly good at organization, but are working hard to improve this year on write-offs.  So far, it's going well! Great article, DC. :-)

5 months, 1 week ago on 4 Ways to be Better Prepared for Taxes Next Year

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I completely agree, DC.  There's no sense in paying cash when you can get rates this low.  Congrats on the new purchase!

5 months, 2 weeks ago on 3 Reasons You Should Finance a Car Instead of Pay Cash

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Can't underestimate the importance of this post, Sally!!!  As I head toward 50, my definition of self-care is changing.  High impact exercise like boot camp classes is being replaced with long, brisk walks, daily stretching, and a bit of resistance training.  Going out and whooping it up with friends is being replaced by sitting in the living room with them, sharing a cup of hot tea.  Caring for our physical and emotional selves is hugely important.  Great post!

5 months, 2 weeks ago on The Importance of Self Care

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Awesome tips, DC.  Rick is really great about learning to DIY whenever he can.  Forums and the Internet help SO much in this area, and we've saved thousands of dollars this way.

5 months, 2 weeks ago on 5 Tips for Maintaining a Home on a Budget

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You did an awesome job at saving cash for the babes, Cat!   A very smart move on your part.  We've never put away money, sadly, to save for something big, but we are now following the tips you listed above to kick tail on our debt, and it's working wonderfully. :-)

5 months, 3 weeks ago on 3 Ways I Prepared My Finances for Twins

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Great tips, DC!  I've shied away from couponing just because we don't buy a ton of processed food or store bought cleaning supplies, etc.  I really should research it more, though.  I'll bet I could find some good deals if I looked hard enough.

5 months, 4 weeks ago on 12 Tips for Beginner Couponers

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Interesting, DC!  I had no idea.  There's just no shortage of learning over here at YAM. Thanks for that. :-)

6 months ago on How Ordinary People Can Make Money on Social Media

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Wow, DC, you guys are doing great on your goals!!  Love that you have accumulated so many vacation bonus points; we are working on that too.  Thanks so much for mentioning our article - we appreciate it!!!  Have an awesome weekend. :-)

6 months, 1 week ago on The Weekly Quick Hits Roundup – Goals Edition

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Haha- love that pic, DC!!  I agree with Travis' approach - sounds like a good, solid plan to me.

6 months, 1 week ago on The Dirty Little Secret of How People Make Money Blogging

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Great tips, DC.  One of my BFFs has an Escape and absolutely loves it.  I would agree about checking around for financing too.  When we bought our last car, we immediately thought we should go with our credit union, but had the finance gal at the dealership check around, just in case.  She got us a rate that was a half a percent lower.  It all adds up!

6 months, 3 weeks ago on 5 Steps to a Getting a New Car

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Sorry to hear about your cat - glad she is doing better, though.  It's always scary when they get sick.  We watched exactly ZERO Olympics.  We're rebels that way. :-)  Yes, we are SO sick of winter.  The words "move down south" have come up in our conversations many, many times since November.  Thanks for the mention, DC.  We appreciate it!  Have a great weekend. :-)

7 months ago on The Weekly Quick Hits Roundup

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Very interesting, DC!!  This is something we'll definitely use once we start investing.  Thanks for sharing.:-)

7 months ago on Stock Analysis Tool Using Google Spreadsheets [Free Download]

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Great info here, DC.  When I was in the mortgage sales biz, I was always amazed at what kind of houses people would pay 500-800k for in places like LA.  That would be tough to swallow.  We live in a fairly low cost county in MN, and I'd be fine with moving to a lower cost county or state too, if the situation was right.

7 months, 1 week ago on How Where You Live Impacts Your Bottom Line

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Great tips here, DC.  Rick and I are hoping to take at least one short family vacation this year, and will be using tips 1, 2, 3 and maybe 4 to make it cheap. :-)

7 months, 1 week ago on 5 Creative Ways to Pay for Travel

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Interesting, KC!  Can't wait to read the rest of the series!  Thanks so much for sharing the step-by-step here - very encouraging!

7 months, 1 week ago on How I Became A Millionaire Yearly Update 2002

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Both Rick and I are working this weekend too, DC.  Fun stuff. :-(  We haven't watched much of the Winter Olympics before.  We'll have to check into that in the little bit of free time we have this weekend.  Have a great weekend, DC. :-)

7 months, 1 week ago on The Weekly Quick Hits Roundup

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4 or all-wheel drive is such a blessing in these harsh MN winters, DC.  Rick doesn't have it on his commuter car, but it's nice knowing we've got it on our SUV, and makes life much more bearable when you're driving through a storm or snowy roads.  I know what you're saying about buying used too - it's scary not knowing what the real story is behind a vehicle. 

7 months, 2 weeks ago on Three things to consider when shopping for your next vehicle

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Interesting post, DC!  We are absolutely interested in dividend income as a long-term investment source.  We won't put everything there, but we will be putting a good chunk of cash into a dividend fund eventually.

7 months, 3 weeks ago on How Much Money Would you Need to Live off Dividend Income? [Free Download]

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Interesting about the construction company!  Did you end up blowing that idea off in the end?  Week was good here, save for the debt fatigue that kicked my tail on Tues and Wed.  Better now, though. :-)  Have a great weekend, DC and Mrs. DC!

7 months, 3 weeks ago on The Weekly Quick Hits Roundup

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That's great that you found a way to get your MBA for free, Sally.  Can't wait to see your budget breakdown!

8 months ago on The Debt I’m In

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Awesome, awesome goals, Lindsey!!  I've got a weight loss goal this year too.  Speaking of cartoons, I just read about a guy making big bucks selling cartoons much like yours.  http://www.gapingvoidart.com/gallery/category/aluminum-prints .  You should check it out!! 

8 months ago on Year 2014, New Year’s Revolution!

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We're actually going to do the challenge the way you are, DC.  For instance, this month was SUPER tight due to a propane fill we had to do, so we will be doing the smallest amounts this month.  I love this method b/c it can be done even if you're on a super tight budget like we are.

8 months ago on A Better Way to Do the 52-Week Money Challenge

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Great stuff here, Sally.  I blew all of my loan money on tuition and stupid stuff.  Luckily my loans weren't too big, as I only went to tech school, but it still bugs me that I wasted so much of it.

8 months, 1 week ago on My College Finances

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