by Karen on January 16, 2012
At the start of the year, my friend Kacie inspired me to explore new options for simplifying our finances and bill pay process. I’m still working out some of the details for these new systems, but I’m going to share them with you here, in addition to the systems we already have in place for [...]
by Karen on September 13, 2011
This post was originally published September 3, 2009. “Wait, wait,” you’re saying. “Budgeting helps you make better decisions with your money, which should be helping your savings account. Isn’t that the whole point?!” And you’re absolutely right. However. This summer, I learned a valuable lesson that I want to share with you. Sometimes being too [...]
by Karen on August 4, 2011
While visiting my best friend last weekend, we had an interesting discussion about budgeting. She and her husband are in the same place Tony and I were when we decided to start living frugally. They’re looking for ways to cut back after moving to a new city and taking a pay cut. Like a lot [...]
by Karen on March 4, 2011
At the beginning of this year, Tony was hired for a full-time teaching position, and our income doubled. That sounds like we’re making a lot more than we really are considering the fact that Tony was seriously underpaid as an adjunct professor. But for us, it’s a lot of money, and it’s finally enough to [...]
by Karen on January 26, 2011
I’ve mentioned before that Tony and I use a credit card to purchase all of our gas. We pay the bill off every month before it accrues any interest, and we get 5% cash back on all fuel purchases. Since we’re not paying interest, the 5% cash back is basically free money, and keeping an [...]
by Karen on January 20, 2011
Throughout my pregnancy, everyone who gave me advice agreed on a lot of things. I’d love the baby instantly. He’d grow too fast. He’d be worth all of the discomfort of pregnancy. (They were all right.) There was one thing they couldn’t agree on, though. Half of them said to prepare myself because babies are [...]
by Karen on September 10, 2010
This summer has been terrible for our finances. We haven’t had any income since May. Thankfully, our bills were drastically reduced for the first, oh, 6 weeks of summer while we stayed with Tony’s family. But we still had car insurance, health insurance, student loan payments, my health insurance deductible, and other expenses. We moved [...]
by Karen on June 23, 2010
It’s been almost two months since my husband graduated and I quit my job to move closer to family. So far, it’s been pretty easy for us thanks to the generosity of Tony’s family. We’re staying with them while we search for a place to live in our new city. We’re spending very little beyond [...]
by Karen on June 8, 2010
Paycheck-to-paycheck living has become all too common, especially in this economic climate. Unfortunately, it’s a vicious cycle, and when you’re in the middle of it, it can feel impossible to break out of it. It seems that every time you start to get ahead, there’s a car problem or a medical emergency or some other [...]
by Karen on February 24, 2010
This post was originally published on September 22, 2008. One of my first posts was about how I lost weight using basic budgeting skills. Now that I’m working to get healthier, I wanted to revisit the topic. Only this time I’m talking about why constant monitoring and reassessment are crucial to staying physically and financially [...]