Credit Cards Are Loans

I have been frustrated by some of what I see in some of the personal finance forums I participate in, specifically when it comes to credit card use.  It seems there is a big disconnect between people who are new to the forums and people like myself who have been on there for a long time.  There is this huge disconnect among the new people who know credit card debt is bad but don’t fully understand what a credit card it.  What is frustrating for me is these new people are not young kids fresh out of college, these are members of MY GENERATION....more

My Biggest Financial Mistakes from My 20’s

 When I was in my 20’s, I thought I had it all figured out. I was finally living on my own and making enough money to support myself, but little did I know I was also setting myself up for financial failure. My careless financial habits and frivolous daily purchases were going to snowball into a mound of debt that I wouldn’t be able to get myself out of. They say hind sight is 20/20, but if I knew then what I know now, I would probably be living on easy street. Here are the biggest financial mistakes from my 20’s that you should avoid at any age. ...more

Do you know how to spend your tax refund?

 It's tax season, that time of year to figure out exactly how much of your hard-earned money never makes it to your pocket. If you are lucky, however, you get some of that money back. I know, I know. You aren't technically supposed to get a refund. A refund means that you have allowed too many taxes to be taken out of your check during the year, and you could have been putting that money away in an interest earning account every month or pay down debt. That's what all the tax-related articles tell you....more

Are You and Your Partner Talking About Money?

How often do you talk about money with your partner, your friends, or even your coworkers? Are you comfortable discussing money?...more
We use google docs for our budget too. Every tie we update the budget, we create a new tab in ...more

Money Questions

Here are ten money questions to ask yourself.1. How do I track my spending? Do you rely on memory to keep track of your spending? If so, consider switching to or even making a note in your phone every time you buy something. It's likely you don't have a perfect memory (I don't!) and will forget some purchases. One or two small purchases won't make a difference, but added up over time that can be a lot of money....more

Utilizing Business Travel

My husband travels often for business. Most of the time he drives to his out of town clients, however he sometimes has to fly. His work requires that we pay for his business expenses upfront and then submit an expense report to be reimbursed. At first I wasn't happy with this arrangement. He incurs thousands of dollars of business expenses each month, and the thought of fronting this is daunting. But after a couple months it became clear that this arrangement worked to our advantage....more

This Week's Groceries

It’s been awhile since I have posted my grocery list and what I’ll be making for dinner. With Thanksgiving coming up, I thought it would be good to post this week’s grocery list....more

Top 10 Annual Domestic Administration Financial Duties

It’s the third quarter and if you are like me, you have set goals and are trying to stick to them! I have monthly action items and then I schedule monthly and quarterly times for follow-up. I  schedule these tasks/duties on the calendar with an actual appointment time so I have focused time to work on DA financial duties and get them done without distractions. DA financial duties encompass not just paying bills but also keeping an eye on the financial ball....more

Budgeting: I Have an Allowance!

Money can be a hard thing to learn to share in a relationship. In fact, it's one of the top things that couples fight about.It wasn't until my husband and I bought a house in 2005 that we started to merge our finances and even up 'til last year we both had different banks for our personal accounts and a third bank that had our joint accounts in it....more
Me and my fiancé choose to have individual control of our finances however all joint bills like ...more

Budgeting - Then and Now

It is widely recognized that having and raising kids is expensive. From healthcare to childcare, clothing and toys, most parents make adjustments in their spending budget during planning for having kids and once children arrive.Because I am analytical, the idea of comparing household budgets from 2003 to 2013 was a really interesting project. (My first child was born in 2007 and I had no plans to have children back in 2003.)...more