Student Loan Repayment Overview

I am honestly shocked and dismayed at how complicated it has become to pay back student loans.  Back when I was in school, there were fewer options, which actually made the process easier because you didn’t have to research so many choices.  Now, due to the ballooning costs of postsecondary education throughout the country, there…

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Getting Out Of Debt Without A Budget

Updated September 2021 Back when I got married, we were living a carefree DINK (dual income, no kids) life.  We had moved to the west coast and were renting a 1 bedroom apartment.  We had one car between the two of us since we were both walking distance to our jobs, and the car was…

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Saving For College 101

Updated May 2021 Being in a profession that is no stranger to student debt, college savings became a priority when we were expecting our first child, as I think it should for many of those that expect their children to attend college.   First, let me hit you with some scary statistics.  Not for shock…

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Don’t Call It A Budget: Part 2

How did Part 1 go? If you haven’t had a chance to read it, go ahead and take a look before moving on. Hopefully you understand why you need a spending plan and had an opportunity to get some numbers together. Here’s what you do when you’re ready to move on to the next step.…

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Don’t Call It A Budget- Part 1

Budget….it ranks right up there with taxes.  Pretty much no one wants to ever do this.  It’s time consuming, and you’re secretly afraid of what you’ll find out.  Ignorance is bliss, right?  It is, until you get the point where you are clearly spending more than you are making and dealing with the consequences.  …

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Calculating Your Retirement Number

Updated September 2021 OK, hopefully I’ve convinced you by now that you may need to prioritize retirement savings.  But how much will you actually need? One method is to multiply your current income by a factor of 10.  For someone with an income of $100,000, this equates to $1 million needed to retire.  However, this…

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