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A financial emergency can be devastating but it doesn’t have to be if you are prepared. Unfortunately, we were not prepared. But that is about to change thanks to Dave Ramsey and an emergency fund. I started his classes in June. I thought the emergency fund was brilliant, but I would start it after summer. We needed our play money during the summer. Then I could buckle down and attack our debt and that fund. So here is a look into our 2 months. It has been a rough one. Really rough one. It started out great. We had planned and saved...

Ok it is time to flip the couch cushions and look under the car seats! You know all those places where the change goes when it fall out of your pocket? At our house the laundry room is always a great place to find loose change! I love emptying the pockets to find change! I started a little bank in the laundry room for that very reason. I am not saving for anything specific but wanted to see how much I could save. My kids also save money. They have a big piggy bank where they store it, This year they decided to save money to give to those...

Kids with cell phones, it’s a tricky thing. I will admit that I have been against kids having phone for years. Over the last few years, as cell phones have become more common, my husband an I have been certain that our children would not get a phone.  Then, in what seemed like the blink of an eye, our daughter started growing up and things changed....

How do you keep your bills organized and paid on time? For years, I would just pay them as I would get them in the mail. Which would mean that I drug out my checkbook every few days. This worked just fine, but I felt like I was constantly paying bills, which isn’t my favorite chore. In the last couple years, I have created a bill pay binder that has worked really well for me, so I am going to share a few of my tips with you. First, you need a binder, I use a simple white 1 inch binder. Next, I added a pencil bag to hold all the...

This year I want to give and give in a BIG way! I have had so many blessings this year that were not monetary and it made me want to do the same for others. So many need something right now! Maybe it is an essential like food or clothing. Maybe it is someone who deserves and needs a kind gesture through an action or handmade gift. Like most of you, we do not have a lot of extra money to buy gifts. We save up each year to have just enough for the kids and close family. How can we give big when we have a little budget? There has to be a...

Image credit: Wikipedia The leaves are turning colors, the geese are flying south, and there is a briskness in the air that can only mean fall has arrived. There are lots of things to do during the fall, but, if you are like millions of other Americans, your wallet is empty or close to it. The “back to school” season is always a costly one, and if you’re self-employed, you just paid your quarterly estimated taxes.  Here is a short list of some fun things to do that should barely dent your paycheck. Fall Family Fun That...

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