Happy New Year’s Eve, Ten Years Ago

What were you like 10 years ago?

Isn’t it interesting how we attach significance to some numbers? Turning 40 is over the hill. $99 is a much better deal than $100. 5 miles over the speed limit is okay.

As this decade ends today I find myself weighed down with the importance of looking back ten years at where I was, what I did and, maybe more importantly, what I didn’t know.

Certainly nothing makes this ten year span more important than any other, but what the heck. …continue reading

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A Debtless Christmas

It is ironic that I was the one bolstered by my kids’ easy acceptance…

While I truly hope you all had as lovely a Christmas as I did, I cannot imagine that’s possible. My condolences.

It has been a stunningly wonderful holiday season. And not only was it all done with cash, we even paid down another thousand dollars of our debt.

At The Wife’s insistence we had a Christmas sinking fund and spent it on the kids; $100 each. That may not seem like much, but it was enough and generous grandparents from both sides of the aisle made for lots of love and plenty of presents to unwrap. …continue reading

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Reader Mail #2 – Being Debt-free and Emergency Fund-free, the Difference between Men and Women

I want to shake your boyfriend until the little boy inside him falls out

Every so often on Climbing Out we will post a great reader email that might touch others’ lives or provide a chance to open discussion.

This touching note came in from a dear reader: …continue reading

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Sticking to the Plan – Straying from the Budget Meant Seven Overdrafts Today

There is always tomorrow. Another month. Another budget. Another chance to get it right.

Oh. My. God.

After ten months (TEN MONTHS!) of financial responsibility… no, financial PERFECTION, today I screwed the pooch.

Actually, I screwed the pooch more than a week ago when I ignored our budget and decided things were going even better than I thought they were… and gave away the farm. …continue reading

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Are We Watching the Same Movie Here?

Never has it been so clear to me that personal finance is really personal.

I have tried to find the tone for this post for a week now, but have to admit it is hard to land squarely on the side of happiness or condemnation.

You know how some things just make you cock your head to the side in a gooey blend of disbelief, empathy and mild-confusion? Not in a superior manner — instead, you want to be happy for someone, but can’t see around the enormous elephant in the room. …continue reading

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Bikinis Are Cool, But Let’s Have Full Coverage

This week: milestone #7 on The Road to Being a Grownup.

You know how every so often you back out of the dream world you live in and face facts? Yeah, me neither, but still… Don’t get me wrong, dream worlds can be hilarious.

For example, last night. I dreamed I pulled out my Google Credit Card and… actually… used it.

Like I said, hilarious. …continue reading

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