Simply Frugal. Simply Healthy. Simply Happy.
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Last week’s post about holding off on paying down debt sparked a little controversy in the comments. I wanted to clarify some of my views, because there seems to be some confusion about my financial philosophy. First of all, I am not debt free. I have never claimed to be. Like most 25-year-olds, my husband [...]
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Update: I just wanted to clarify something. We are currently repaying our student loan debt slowly but surely. Our loans are not in forbearance. We just aren’t focusing our efforts solely on debt repayment. We’re splitting our extra income between debt repayment and savings. In January 2009, we paid off our credit card debt. Compared [...]
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One of the main concepts of frugality is that life isn’t a competition when it comes to finances. I try to avoid comparing myself to other people, because we inevitably fall short in terms of material possessions. Just for fun, though, I took a look at some national averages to see where we fall on [...]
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Once we became credit card debt free, we had an extra $200 a month available. We decided to put some of that money toward retirement savings every month, so we only have $100 left to work into the budget. Yesterday, Tony and I looked at our budget, and talked about where we’d like to put [...]
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I’m so excited about the year ahead! For the first time, I feel like I’m looking ahead with a clear set of goals and the resolve to actually achieve them. In the interest of keeping myself honest, here’s what I hope to accomplish in the coming year: Finish building our 6-month emergency fund. We’re a [...]
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photo by b.franchina This morning I sent my final payment to American Express. We’re officially credit card debt free!! In the past year, we’ve paid off almost $5,000 in credit card debt. I’m pretty proud considering how low our income was for a big part of the year. :) Unfortunately, we still have quite a [...]
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