Saving money: big and little wins

One of the funnier “religious wars” I’ve seen when it comes to money is fighting between people in favor of “big wins” versus the people in favor of “little wins.” “Little wins”-ers want to be as frugal as possible, to look for ways to save money wherever they can. “Big wins”-ers see those little steps (read more…)

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Outsmart your own brain and spend less money

Sarah and I have a clothes dryer that — no joke — hates us. It destroys our stuff. It doesn’t do what we ask it to. And when it does actually do what we want, it complains, loudly. Seriously: It’s like a giant metal toddler. The thing is, we should have replaced this thing months (read more…)

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Refinancing a mortgage, simply

Last week, Tsh shared her story of how to get a mortgage without a credit score. I loved her post, and am impressed by how intentional she and Kyle are about paying off their new mortgage. “But money’s tight!” You’re saying. “I don’t have any extra cash to use to pay my mortgage off early!” (read more…)

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On dams and water towers (budgeting on an irregular income)

Often, introductions to budgeting make it sound soooo simple: “What do you make each month? Divide it up. Boom! Done!” There are a number of flaws with that — you probably don’t know what you actually spend money on, you probably aren’t factoring in that dishwasher that’s about to die, you’re gonna fudge your numbers (read more…)

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529s and ESAs — the nitty-gritty of saving for college

A couple of years ago, I was reading an article about money and sending kids to college. “Blah blah blah,” it went (more or less), “and you should stick the money in a 529.” “Oh, man,” I remember thinking. “A ‘529’? What the heck is that?” I got really concerned, and looked into it. I (read more…)

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