Holly at ClubThrifty
Bio not provided
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!
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.
1 week, 4 days 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.
1 week, 5 days 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!
2 weeks, 6 days 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 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 weeks, 6 days 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.
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.
1 month 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!
1 month ago on 5 Best Travel Reward Credit Cards for 2015
Thanks for the mention! I hope you find a tablet you like!
1 month, 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.
1 month, 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!
1 month, 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.
1 month, 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.
1 month, 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!
1 month, 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.
1 month, 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.
1 month, 3 weeks ago on What Should My Freelance Writing Niche Be?
Awesome! I have never heard of it. $150 is tempting =)
1 month, 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.
2 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.
2 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!
2 months 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.
2 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.
2 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.
2 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.
2 months, 1 week 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.
2 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 =)
2 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.
2 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!
2 months, 3 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.
2 months, 4 weeks 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!
3 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.
3 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.
3 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.
3 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.
3 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.
3 months, 1 week 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!
3 months, 2 weeks ago on Side Hustle Idea: Delivering with Deliv
Yes, I suppose that my hobbies turn into work too. I have never had a hobby that couldn't be profitable in some way.
3 months, 2 weeks ago on Do your Hobbies Become your Work?
Oh, I agree 100%. Looking like you know what you're talking about is half the battle =)
3 months, 2 weeks ago on 4 Ways Confidence Increases Earning Potential
I wish I could outsource more. I am such a control freak! For example, I would really like someone to come and clean my house BUT I am afraid they won't do it right. I can just see myself re-cleaning everything once they leave and feeling resentful about it. Ugh!
3 months, 3 weeks ago on 7 Things You Can Outsource to Save Time
I love Republic Wireless, although I am not picky about what phone I have at all. I just need something that works.
3 months, 4 weeks ago on Republic Wireless or Walmart Family Mobile?
I don't like "real life" shopping but I am occasionally tempted to pick things up online. It usually isn't a huge problem for me though, so I don't stress about it.
4 months ago on How to Resist Spending Temptation
"For example, it is 100% acceptable to fill your free time with watching television, going to sporting events, and exercising."
I agree with this 100%! I just don't think people "get" blogging very well unless they have tried it.
4 months ago on Should You Add Your Blog to LinkedIn?
I wear the budgeting pants BUT my husband always knows what is going on. We make the plans together- I just execute them.
4 months, 1 week ago on Who Wears the Budgeting Pants in Your House?
I don't think that you're being cheap! If you can do it yourself, then why not? I would hate spending money to pay someone to do something like that.
4 months, 1 week ago on Am I Being Frugal or Cheap?
Track your spending! That is the #1 step toward changing your ways.
4 months, 2 weeks ago on How Recovering Spenders Can Become Frugal
I have trouble outsourcing as well. I had a staff writer at one point, but that is all I have ever paid anyone to do. I'm a control freak!
4 months, 2 weeks ago on 5 (More) Things Every Blogger Struggles With
I've definitely struggled with all of these at one time or another. I finally decided to cut posting down to 3-4 times per week instead of 5 and that definitely helped me stay sane.
4 months, 2 weeks ago on 5 Things Every Blogger Struggles With
I couldn't sell an egg or let my husband sell his sperm either. I don't want babies running around- I want all of my own babies! =)
4 months, 3 weeks ago on How Far Would You Go to Pay Off Debt?
My worst money mistake was financing a 25K car with zero down and a low wage job in my early 20s. I did learn a lot from it so I suppose I wouldn't change anything!
5 months ago on Why It’s OK To Make Money Mistakes