One of the most exciting and scary times of our lives was buying our very first home. It was exciting because we had been renting for almost a year and pinpointed where we wanted to live. We were scared because we were about to take out the biggest loan of our lives to make that dream come true. Uncle Dave (my nickname for Dave Ramsey) suggests buying a home on a 15-year mortgage term that is no more than 25% of your take-home pay. Kim and I were well aware of this suggestion and still decided Continue Reading
Journey To Debt Free: Finding The Debt Free Light
In case you haven’t noticed, we have decided to kick the start of each month off with an interview as part of our success stories category. So today we have an interview from some more of our friends, who after 2.5 years of marriage and with a baby on the way, realized it was time to put their differences aside and get on the same page in regards to their finances and financial goals. After much deliberation, and of course compromise, they reached a decision that they felt would work for their Continue Reading
7 Ways To Prevent A Baby From Affecting Your Budget
When it comes to talking about having a baby a lot of people will say, "Having a baby is so expensive." I disagree; it's whatever you make it (with the exception of daycare costs). If you plan some things out before having a baby that can help. By nature, I'm a planner. I don't necessarily have to write everything out in full detail, but I at least like to have some idea in mind of what I want and how I would like for it to go. Having a baby was no exception. Omar and I decided that after we Continue Reading
7 Worse Financial Mistakes You Can Make
There are plenty of financial mistakes that people are bound to make during their lifetime. And if you’re guilty of these same mistakes we’re about to cover in this post, you're not alone. We were once actually guilty of them as well before we each started our debt free journeys. However, when you know better you do better <hopefully>. So not only are we going to discuss the financial mistakes, but we’re going to share ways to avoid them / overcome them as well. Let’s get started, shall Continue Reading
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