I am not a parent yet but i know that one of the big items that count for household debt is hospital bills. When you are not covered by any health insurance, and need a major hospitalization, this can put you several years back in finances. Read my $4500 tooth extraction story. This is further …
I was so obsessed with our budget a year ago (an excel spreadsheets with formulas on it) that i would check it several times a day. My obsession has declined and i check it now at least twice a week, but i still love the idea of budgets. If you are on track to get …
I found this article/story on MSNBC about the internet’s top most scams, and thought it could benefit some readers. With the strain in the economy, job loss, and technology changing so fast, more and more people are becoming susceptible to online scams. The nature of online fraud amd scams is also changing fast. This article sheds …
The journey, race or walk to debt freedom and financial peace has a lot of obstacles and can be a very wearisome one. To strengthen the financial muscles for this journey to financial freedom there are three absolute FINANCIAL NEEDS that are both critical and dynamic. 1. Budget This is the tool that helps you …
Before we got married almost two years now, we had a vague idea of our finances and the direction we would take once we were married. Thankfully for us, we were required to take Financial Peace University Series by Dave Ramsey as part of our pre-marital financial counseling. These series really put a lot of financial …
I think juggling stuff makes life interesting although it can be stressful at times. This week has been a great and a busy one too; oh, and i also wanted to mention that i will be completing my graduate program in two months and i am really excited. I am excited about many things two of them are: I …
Motivation is defined as – giving an incentive for action; to cause, or to prompt; Example: “This moved me to sacrifice my career” When we began the journey and the process to be debt free, we knew that it was going to be a long steep journey. We were prepared for the walk to become …
I read this funny quote by Woody Allen that If you want to make God laugh, tell him about your plans I thought it was an interesting quote while i reflected on how busy life can be as we pursue it – looking for deals, discount, another job, a better job, paying off debts, buying …
I drive a 1993 Honda accord and it is nearing the end of its useful life. So replacing it is in my mind possibly sooner than later. Interestingly, the more I think about replacing it, the stronger the feeling of attachment, and the more cars on sale I see in the streets. We have already …
Fear is one of the strongest emotions that most people express about their financial circumstances. Some of the fear is unjustified; but we all do experience these emotions at a point in life. Sometimes it is triggered by a thought of losing a job, panic when the stock market is plunging or other factors. I …
