Here we go: part 3 in the trilogy of the 20% budget rule. Catch Part 1 and Part 2 here if you haven’t done so already. By the way, I have no idea how I stretched this idea out to 3 posts. I guess it’s because I had a lot to say about it. If…

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Did you calculate your savings rate from Part 1? How close are you to a 20% savings rate? Part 2 will include a basic comparison between two veterinarians so that you can see what the numbers will look like.  To keep this focused on just savings, we’re looking at after-tax income, and we’re not accounting…

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So I have written about making your own, detailed spending plan (aka budget). I have also written about my own experience of budgeting without actually budgeting. What if you’re starting from scratch and want something really simple? Something that doesn’t require a lot of number crunching, but also doesn’t require that you are a natural…

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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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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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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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