A security salesman once came to our house trying to get us to use their system. He made me laugh out loud (politely) when he asked us to look around the room and add up the prices of what we see. I was sitting on a couch from a friend who moved, he was sitting on a garage sale recliner, the entertainment center was from someone who moved, the TV/computer monitor was a hand me down, the kitchen table was a hand me down, the chairs were from a swap meet, even the decorations were free. The only pricey items in the whole room were the computer (which we built) and the wedding ring on my finger. Although it would take some time to replace the items and I’d rather not be robbed of my physical possessions (safety is still a valid concern), I really don’t think it would set us back too far. [Read more…]
A common substitute in my house is yogurt. Turns out homemade yogurt is only slightly more expensive than milk, but WAY cheaper than other store-bought milk products (yogurt, sour cream, half n half, cream cheese, etc). It is so easy to make too! The steps make sense: kill anything bad in it, introduce good stuff, let the good stuff grow, chill.
Here’s how I make it: [Read more…]
There once was a man being interviewed by someone he knew. The credentials he was applying for had a fairly new requirement requiring him to abstain from tobacco use. When the interviewer got to that question and was told that he no longer used tobacco, he smiled and said, “That is great news. When did you quit?” The response to that question has helped me many times in my life. The man looked the interviewer straight in the eye and responded, “Just now.” [Read more…]
When it comes to finances, nothing makes me more excited than seeing $1,500 leave my bank account each month. I just can’t wait to enter it into my “House Payment Analysis” spreadsheet, to see the amount saved go up a few hundred dollars, and be one month closer to payoff. Why does this make me so happy? Well, a lot of it is because I love numbers, but also because we made a plan to own our home in just under 7 years, 76.9% faster than the 30 years the loan was signed for. [Read more…]
I definitely cannot be credited with this extremely efficient debt reduction technique, but I can attest to its soundness. It works wonders whether you have dozens of debts or just one. It doesn’t require any crazy math or major life style changes, just intentional behavior.