Goodbye Big Bank, Hello Local Credit Union – Thanks to Quicken Dropping Us

if you too are thinking about ditching your big bank and finding a local bank with a soul, I encourage you to give it a try

This post is an example of what happens when companies put customer service last and the customer realizes there are other choices after all. Everyone who engages with customers (which pretty much means everyone) should be reading Seth Godin’s blog. That really is the sidebar to this post, but I think it’s so important I’m putting it right at the top.

I am consistently amazed by businesses that seem to go out of their way to make things more difficult for their clients. Not just slow, awkward or boring but down right more difficult. …continue reading

Tax Withholdings – Getting the Exemptions Right on Your W4

Don’t ask me how to get your exemptions right. The tax tables are obviously some kind of weird voodoo.

Not long ago I was becoming frustrated with our progress on Baby Step 2. I am painfully impatient to get out of debt. Just ask The Wife.

Yet it’s a long road. Most people who follow the plan we are doing need 18 – 24 months to become debt-free. I’m afraid we’re going to need more.

What does ole Ramsey say? “Children want it now, adults devise a plan and stick to it.” …continue reading

Wisdom from The Tutu

“When you stop writing I will know you’re finally enjoying yourself.”

I was the kind of kid who got horribly homesick. I have no idea why, but I remember it being terrifying to spend the night away from home. Maybe it was because we moved so much when I was young …continue reading

Those Who Came Before Us

There are so many bloggers who looked down and saw the pile of crap they were standing in before we came along I almost feel embarrassed to ask you pay attention to our story.

Still… ours is the best. Even though we’re anonymous. But hot. But you can’t see that. So nevermind. Anyway…!

I want to share some awesome inspiration with you as well as a chance to actually win real prizes from Brad at Enemy of Debt. I guess that would make this my first “link love” post.

The details are Brad Chaffee over at Enemy of Debt is challenging his readers to become more active in managing their money. The Manage Your Money Challenge starts on March 1st, go check it out. He is giving away tons of free prizes for participation.

He’s a really good dude and wants nothing more than to see you succeed in becoming debt free. In fact he’s kind of a freak about it.

So go to it, folks, and reap your rewards.

Race you to the finish line,
the Dad

One Year, Two Baby Steps, Three Missed Snowballs

DOMAIN RENEWAL NOTIFICATION: Your domain Climbingout.net is going to expire!

Wow — already?!

I can hardly believe it has been a year since we started on the road to financial peace. First, a thank you to all of you who follow our journey and offer encouragement. To those of you doing it with us, HIGH FIVE!

So how are we doing? It’s been 12 months since we started this journey and this blog.

For 12 months we have …continue reading

Don’t Mind the Smoke, It’s Just the $2,000 in My Pocket Burning

My emotional connection to money, loans, debt and the interplay with relationships has changed so drastically that I feel a certain discomfort with the situation

This whole get-out-of-debt nonsense has really screwed me up, you know that? I mean, really. When was the last time someone handed you $2,000 and you said, “no, thanks”?

Not long ago I mentioned some freelance work coming up. It’s a fun, challenging project, but one for which there has been little time lately.

It is for a dear friend and is not on a strict deadline. Nonetheless, I want to get it done sooner rather than later. I am shooting for the end of February. It should net around $3,000 toward our debt and I look forward to making that payment. …continue reading