Holly at ClubThrifty
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Retirement definitely needs to come first for obvious reasons - you can't borrow money for retirement. We are saving for our children's college education, but we're putting retirement first. Because of our frugal lifestyle, we can afford to do both.
1 week, 5 days ago on Why Parents Should Consider Their Financial Needs First
I did all of these things to get out of debt many years ago! They work. I still do some of them from time to time, but I stash the extra money away since we have been debt-free for a long time.
2 weeks, 5 days ago on 7 Actions You Can Take to Pay Off Your Debt
My tax refund is sitting in my primary savings account. Since I owe quarterly taxes in a few weeks, it will basically go right back, plus some. Fun times.
4 weeks ago on How to Spend Your Tax Refund Responsibly
We paid off our student loans early even though they were at 3.25%. We haven't regretted it once. Like you, we were just ready to move on.
1 month ago on 6 Reasons to Prioritize Paying Off Student Loan Debt
We save by buying what is on sale and sticking to a flexible meal plan. I also make a list so that I end up buying foods that go well together and that can be used to make a real meal. Without a list, I just end up with a bunch of mismatched ingredients that don't make anything!
1 month, 1 week ago on 4 Ways to Drastically Cut Spending on Food
I think it's awesome that some employers are willing to invest in their employees like that! I would definitely take advantage if I were ever in that situation.
1 month, 1 week ago on How to take Full Advantage of Employer Tuition Reimbursement
Mail offers can definitely be better, especially if they are targeted. I always check my mail offers!
2 months, 1 week ago on Mail Credit Card Offers > Online Credit Card Offers
DC, I blame you for my mvVEGAS rewards addiction. I have 300K points to spend this July when we go. Ha!
2 months, 2 weeks ago on How to go to Vegas for Free
My husband and I don't really date anymore, but we do love our evenings at home. We watch HULU or play board games with the kids. I love free nights in!
2 months, 2 weeks ago on How to Go On a Date Without Spending a Dime
Term life is cheap. It may be a pain to buy, but at least you only have to do it once for several decades of coverage.
2 months, 3 weeks ago on The 1 Thing You Need to Do to Improve Your Finances in 2015
Never heard of it- sweet giveaway though!
2 months, 3 weeks ago on How to Make Money on your Social Media Accounts + $200 Cash Giveaway
Creating a zero-sum budget helps us spend mindfully. Once we put our spending plans on paper, it makes it harder to stray from them or get off track. We mostly stick to the plan!
2 months, 4 weeks ago on How to Spend Your Money Meaningfully
It is really hard for me to put limits on my work now that I am self-employed. I'm not necessarily addicted to the money, but I am addicted to saying "yes." The problem with this addiction is that there are few consequences aside from the loss of free time. Like you said, more work = more money when you are self-employed.
3 months ago on Can You Be Too Addicted to Earning Money?
We live in an inexpensive area, and I prefer it for many reasons. It is easier to have a large living space and a yard for the kids, for example. I have no desire to live in a big city, but I do love visiting!
3 months, 1 week ago on Living in an Expensive City: Worth It?
We choose cars mostly for practical reasons. All it needs to do is get us from point A to B. Neither of us drive very often. Greg drives to work but it's only 5 minutes away.
3 months, 1 week ago on 3 Financial Factors You Must Consider When Buying a Car
I like taking a few days off with the kids at home from time to time. We don't have to do anything exciting to have fun! I wouldn't necessarily count is as a vacation, but it is definitely quality time.
3 months, 1 week ago on 4 Awesome Staycation Ideas
I wish I had started making automatic 401k contributions when I was in my early 20s. I didn't really start until I was in my mid to late 20s!
3 months, 3 weeks ago on 3 Retirement Planning Priorities for Millennials
I love targeted offers! I don't get as many as I once did, but they are always welcomed. The bonuses are often higher.
3 months, 3 weeks ago on Why You Might Want to Open Your “Junk” Mail
I have some goals for 2015, but they aren't necessarily "resolutions." I mainly just want to stay the course and continue improving.
3 months, 4 weeks ago on How to Set Yourself Up for Success in the New Year
We have all kinds of investments (401K, SEP IRA, ROTH IRA, HSA, real estate), but we have never done peer-to-peer lending. The last time I checked, people in Indiana weren't legally able to invest in the primary peer-to-peer market. I'm not sure if that has changed.
3 months, 4 weeks ago on 8 Ways to Start Investing
We reviewed our 2014 spending already. We budget on a monthly basis so I was already fairly prepared for it. Our budget will stay the same for 2015 aside from a few small tweaks.
4 months ago on What Will Your Spending Look Like Next Year? Review It Now!
I like all of these cards, honestly. My favorite one out of the ones you've listed is probably the Chase Sapphire. I love Ultimate Rewards points because they are so versatile!
4 months ago on 5 Best Travel Reward Credit Cards for 2015
Thanks for the mention! I hope you find a tablet you like!
4 months, 1 week ago on The Weekly Quick Hits Roundup
I need a few more hours in the day. I tend to get up early if I need to get "extra" things done. I admit it- I am awful at budgeting my time. I am great at staying focused during the day but my evening "free" time disappears quite easily.
4 months, 1 week ago on How to Budget Your Time Like You Budget Your Money
I think the government should make it easier for people to refinance their loans at today's low rates. It makes no sense to me that that hasn't happen yet. I DO NOT believe we should seek out full forgiveness. There is no money, people!
4 months, 1 week ago on 3 Ways the Government Can Provide Student Loan Debt Relief
I like the idea of investing in an industry vs. investing in a specific company. Honestly, we buy index funds and hold forever. Our investing strategy is incredibly boring.
4 months, 1 week ago on Invest in a Company or an Industry?
These are all good reasons. We track our spending and it makes all the difference. It's much easier to stay on budget when we check in with our spending in "real time" throughout the month and see how we're doing.
4 months, 2 weeks ago on 7 Reasons Why You Should Track Your Spending
I love my HSA and am extremely sad that I cannot use it with the healthcare sharing ministry we are starting January 1st. I am very thankful that the money can just continue to grow for me!
4 months, 2 weeks ago on Why an HSA is the Absolute Best Retirement Account
I worked on my side hustle before and after work when I had a 9-5 job. Now that I work from home, I still hustle a little bit but most of it is my full-time job.
4 months, 3 weeks ago on How to Make Time to Develop Your Side Hustle
I write about all sorts of things- a few jobs are under a pen name! I don't like to box myself in too much. I'm interested in too many things to limit myself.
4 months, 3 weeks ago on What Should My Freelance Writing Niche Be?
Awesome! I have never heard of it. $150 is tempting =)
4 months, 3 weeks ago on How Motif Investing Works – Get $150 Free
I signed up for online billing a few years ago and saved something like 25%. I also signed up for Allstate Drivewise to save another 10% or so on my minivan.
5 months ago on Factors That Affect Car Insurance Rates
I really wish Target was closer to my house because they have great prices on groceries. Unfortunately, it is a 20 minute drive and pain to get there.
5 months ago on 8 Ways to Save Money Shopping at Target
Thanks for the mention! I am actually hoping for a really good laptop deal to come up, although I refuse to go out on Black Friday. Maybe Cyber Monday =) My computer is not doing well. =/
Have a great weekend!
5 months, 1 week ago on The Weekly Quick Hits Roundup
II worked for free a lot at the beginning- I don't think there is anything wrong with building up your portfolio that way. It certainly helped me get started.
5 months, 1 week ago on How to Overcome Your Fear of Side Hustling
In my opinion, the only way to improve your skills is to keep practicing and honing them. Unfortunately, that is the only way to turn any talent you have into a marketable skill. I am hopefully getting better at my job as time goes along. I should- because I spend 40 hours per week practicing my craft.
5 months, 1 week ago on Strategically Develop Skills to Create the Career You Want
Never heard of it but it sounds like good advice to me. I like the idea of starting a business based on solving a huge problem for people.
5 months, 1 week ago on “Solve Migraine Problems” and other takeaways from All In Startup
I saw those winter pics posted on Facebook. Ouch! Seems way too soon to me. Hope you have a good weekend. I will also be home working the entire time.
5 months, 2 weeks ago on The Weekly Quick Hits Roundup
I like it! It is definitely worth it to invest in yourself and your business if you want to succeed. Those investments don't necessarily need to be financial, though. Like you said, networking can be huge and generally doesn't cost a thing.
5 months, 2 weeks ago on 4 Ways To Further Invest In Your Side Business
We have saved money with DIY plenty of times. There are some things I wouldn't DIY though because it would probably look awful =)
5 months, 3 weeks ago on 3 Ways Homeowners Can Save Money
I like these ideas for your 20s! (except for the not having kids part!) I guess we waited until we were older too- I had my first daughter when I was 29. That seemed like the perfect time for us.
5 months, 3 weeks ago on The Top 10 Financial Moves for People in their 20s
I agree with you that people in Minnesota love their seasonal weather! Greg's parents are getting a fish house for the lake this summer and already know they're going to drag me out there. People in Indiana try *not* to go outside when it's freezing and miserable!
Thanks for the mention!
5 months, 4 weeks ago on The Weekly Quick Hits Roundup
We moved a few towns over for Greg's new job last year. Overall, it has been a great move!
I wouldn't want to move out of state because it is affordable here and my family all lives nearby.
6 months ago on 3 Reasons to Consider Relocating for a Job
It sounds like he made a reasonable decision given his circumstances. And maybe he feels like he had a great year and doesn't want to push it.
And no, I cannot imagine getting paid 8 million dollars in one year. I would be retired by now!
6 months ago on Could you say no to half a Million Dollars?
I think these are all important! Tracking our expenses was the best thing we have ever done for ourselves. What we discovered was shocking and we could never go back after that.
6 months ago on 5 Practical Ways to Improve your Finances
My #1 tip is to start a blog so people can find you. My #2 tip is to be easy to work with. I know a lot of editors who prefer to deal with me instead of other people because I respond to emails promptly and do things to make their lives easier.
6 months, 1 week ago on How to Get Started in Freelance Writing
Life and health insurance, right? I can't remember, but I think they had a problem with health insurance too. They couldn't afford the treatments that he needed and they were hundreds of thousands of dollars. He didn't want to leave his family with all that debt.
6 months, 1 week ago on You Won’t Believe What the Show Breaking Bad is Actually About
Hope you have a great weekend! There are a lot of orchards around here but I don't think we'll make it this year. Too busy. Our weekend plans include me helping a friend paint her house and working.
6 months, 1 week ago on The Weekly Quick Hits Roundup
We already discussed our finances in the early days of our relationship. We were both broke so we were always trying to figure out ways to keep our long-distance relationship afloat with our limited budgets.
6 months, 2 weeks ago on How to Discuss Finances Early On in a Relationship
Never heard of it! I think that sounds awesome though. I love new start-ups that disrupt everything!
6 months, 2 weeks ago on Side Hustle Idea: Delivering with Deliv