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Category: Budget

Tips for the First Time Homebuyer

Tips for the First Time Homebuyer

With interest rates on the rise many of you may be wondering, “Should I take the leap from renting and purchase a house?” Owning a home certainly has its pros and cons. My husband and I have owned our home for just under 4 years now and we have certainly had our ups and downs with homeownership. Being a first time homebuyer can be overwhelming, so I figured I would share some advice with those going through the process. Before…

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How to Have a Debt Free Wedding

How to Have a Debt Free Wedding

Marriage is a hot topic for millennials. We all know someone who is getting married, whether it be yourself, a family member, a good friend, a coworker, we all know someone going through the process. If you’re like me, you may be wondering how in the world everyone can afford to even have a wedding. A wedding is essentially an elaborate party, but obviously when you’re the one getting married, it’s the best celebration of your entire life. Naturally, this…

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Is It Okay To Splurge?

Is It Okay To Splurge?

There is a common misconception that that being frugal means being cheap. This is not necessarily the case. Per Merriam-Webster, frugal is “characterized by or reflecting economy in the use of resources.” In other words, frugality is using your money efficiently or, simply put, making smart decisions with your money. I am here to tell you that being smart with your money does not mean you can never spend your money or splurge. It just requires you to put some…

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20 Questions to Ask Your Partner Before Getting Married

20 Questions to Ask Your Partner Before Getting Married

So, you’ve found the love of your life and are ready to take that next huge step by officially committing to spend the rest of your lives together. That’s great! Congratulations! And if you’re reading this article before finding the one you want to live out the rest of your days with, don’t just assume this isn’t relevant. Learning this information before getting serious with someone can be just as beneficial. If you’re already married, hopefully you already know these…

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Lessons Learned from Budgeting

Lessons Learned from Budgeting

My husband and I find that we really like maintaining a budget in excel. Once a month, we set aside about an hour to fill in our income and expenses for the month. We do a very detailed analysis and discuss why we are over in any categories and if needed, how we can try to cut back some of our costs. Throughout the month, we always discuss significant purchases with each other that way we avoid surprises when the…

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Why You Need a Budget

Why You Need a Budget

Everyone needs a budget. It doesn’t matter how great you are with your money, or how poor your money skills are, you need a budget. Although budgets can be a very tedious task, it is important to update your budget at least monthly, as this follows typical billing cycles. Budgets come in various forms and technology makes it easier to budget than ever before. There are countless budgeting tools available for free. A few examples are Mint, Personal Capital, Excel…

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