“By focusing on our finances regularly we were able to see an on-coming train and prepare for the safety and security of our family…”
My cheese has been moved.
Last week things at work took a huge shift; a majority of my colleagues signed union cards and filed their intent to vote on organized representation with the National Labor Board.
I’m not going to debate the idea of union vs. non-union work here, but as a jack-of-all-trades whose position is impossible to classify, organizing is not in my favor at all. The two most likely outcomes I see are either a strict narrowing of my duties and a pay decrease of about 50% or an elimination of my position. …continue reading
“The discussions and lessons we got in return were worth a lot more…”
The kids and I had such a ball the other day that I want to share it with you. Specifically with those of you who, like me, have never taken part in that great American past-time: garage sale-ing.
Like it or not, the kids are along for this ride.
The kids have been living the get-out-of-debt dream with us for almost a year and a half now. They have adapted beautifully to our family’s new financial values.
They earn their own money each week and we coach them through saving, spending and giving. Very rarely is there any drama or whining about buying something. If you don’t have the money, you can’t buy it. If mom and dad don’t have the money, they don’t buy it either. …continue reading
“Perhaps I’m just feeling surprised and beat up as line-item after line-item shows up for this thing like a mechanic calling throughout the day to tell you he found another thing wrong with the car.”
The Wife has taken dance classes since she was two and danced professionally into her twenties. I, on the other hand, had almost no paid hobbies growing up. With those differences, it should probably be no surprise that we need an Emergency Budget Meeting about the kids’ upcoming dance recital.
To The Wife it is expected that we budget for costumes and recital tickets and, hey, I’m cool with that. My kids rocking a stage? Awesome. It’s all the other things that are starting to freak me out; maybe I need some perspective from other parents. …continue reading
Getting out of debt has readjusted so many priorities in our lives and this may be the next big one to change.
How the Dad ended up with a ridiculous commute.
Way back in 1996 a friend asked if I was interested in renting his house. The current renters were bailing on him and he knew I wasn’t happy with my living situation.
I was one of several roommates in a pretty small place about 20 miles from work. The thought of a whole house (with a yard!) to myself was very enticing. My own kitchen, a real garage, in a real neighborhood.
The catch? It was more than 60 miles from work. …continue reading
I should start by stating something obvious; no one wants us to be out of debt more than us. In fact I NEVER WANT TO SEE A CREDIT CARD AGAIN.
I believe our perceptions of money, debt and even contentment (i.e.: happiness) have become so healthy as The Wife and I sear the lessons of becoming debt-free into our psyches.
All of our family and friends support our goal and some have even dug in and are applying the same principles that bring us such peace. But a recent offer from very kind, loving family members highlights one of the red flags we have come to watch for. …continue reading
Being on a budget and working with cash has made things easier for me at the register.
Daughter A is finally agreeing to wear some other clothes besides the “zoo shirt” she’s been living in and fleecey pants. It could be the 100F+ temperatures we’ve been having, but whatever! It’s so nice to see her legs.
A Surprise Shopping Trip
So, the other day I got a $10 off coupon from Kohl’s, a local big-box department store. I decided that I would pitch in a couple of bucks and take the girls shopping and get a couple items of clothing as a treat. Something Summer-y. We spent over half an hour trying on different clothes: pajamas, dresses, shorts… I only pulled things from the clearance rack to stay in the budget I had set for myself. We finally narrowed it down to four items that would only ask about $6 from my pocket.
As we stood at the register …continue reading