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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. :-)

6 days, 7 hours 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. :-)

1 week, 5 days 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 weeks, 2 days 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. :-)

3 weeks, 5 days 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. :-)

4 weeks, 1 day 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. :-)

1 month 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!!!

1 month, 2 weeks 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. :-)

1 month, 2 weeks 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!

1 month, 3 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. :-)

2 months 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.

2 months, 1 week 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. :-)

2 months, 3 weeks 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.

2 months, 3 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. :-)

2 months, 4 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. :-)

3 months 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? 

3 months, 1 week 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.  

3 months, 1 week 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!!

3 months, 2 weeks 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. :-)

3 months, 2 weeks 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!

3 months, 3 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!

4 months 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.

4 months 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. :-)

4 months 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.

4 months, 1 week 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. :-)

4 months, 1 week 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. :-)

4 months, 2 weeks 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.

4 months, 3 weeks 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!

5 months 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. :-)

5 months, 1 week 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.:-)

5 months, 1 week 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.

5 months, 2 weeks 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. :-)

5 months, 2 weeks 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!

5 months, 3 weeks 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. :-)

5 months, 3 weeks 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. 

5 months, 3 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.

6 months 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!

6 months 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!

6 months, 1 week 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!! 

6 months, 1 week 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.

6 months, 1 week 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.

6 months, 2 weeks ago on My College Finances

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Ok, I have been absolutely abhorring this nasty, cold weather.  This weekend is going to feel like a heat wave.  My dad says he's going to hang out in the back yard with his Hawaiian shirt and his BBQ grill. :-)  Thanks so much for the mention, DC.  Have a great weekend!

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

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I think it's great that, in spite of having those extra expenses, you guys still went down in your total debt instead of up.  Give yourselves a good pat on the back for that one.  We have possibly a roof, and our washer and dryer to replace this year as well.  Arghh!

6 months, 3 weeks ago on 2013 Debt Payment Progress Report

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Great post, DC!  We are strongly considering opening up an investing account this year.  We have a bit more educating ourselves to do first, but it's definitely on our list.

6 months, 3 weeks ago on 15 Ways to Improve your Finances in the New Year – Part 2

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Hey, Lindsey, thanks for the mention!   So very glad that you are enjoying the blog.  Have a great Monday. :-)

6 months, 3 weeks ago on Sunday’s Sweet Savage Love: The Tycoon’s Delicious Distraction Edition

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Great to see you back, Lindsey, and that's awesome that you're gearing up for a great 2014.  Looking forward to reading more of your great stuff. :-)

6 months, 3 weeks ago on My March of (Financial) Progress

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Sounds like you've got more great things in store for 2014, DC.  Can't wait to see all of the new great articles. :-)

7 months ago on Happy New Year! Looking Ahead to 2014

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Great goals, DC.  Can't wait to hear more about the niche site.  I'm the same was as you when it comes to buying clothes too - Rick wants me to buy more this next year, but I'm not sure I can bring myself to do it. :-)  Love the Chicago idea - went there several times when I was your age and loved it every time.  We'll be posting our 2014 goals in a few days, I suppose. :-)

7 months ago on My Goals for 2014

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So sorry to hear about Lena's health problems!!  Our lab, who we had to put down nearly 11 years ago, had huge allergies to just about everything and cost us lots of money as we tried to treat them.  Not only did we feel so bad for him, itching all the time, but it was expensive!

7 months ago on Our Cat Just Got Expensive

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Thank you SO much for this, DC!!  I'm in desperate need of blogging organization!

7 months ago on Free 2014 Editorial Calendar Download for Bloggers

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