Digit Review: How to Automate Your Saving Plan In 5 Minutes Saving money is kind of hard. I don’t mean just in the living frugally sense. I mean being able to keep money in your bank and not spend it. A few years ago I started putting my emergency fund in a completely different bank account to make it a little bit harder to “accidentally” use. It has worked great for me and I highly recommend this method. There is a lot of truth in the old saying “out of sight, out of mind.” Even though this system works for me, I’m always trying ... Read More about Digit Review: How to Automate Your Saving Plan In 5 Minutes
How Step-Parents Can Cultivate Positive Relationships Between Half-Siblings: This weekend was special to me. We went camping with a bunch of our extended family. We go camping all of the time, so that part isn’t unusual. What is unusual is who we took with us. We took Aaron’s ex-wife’s daughter Ciara camping with us. She is family to me and Aaron even though she isn’t blood. I learned a really valuable lesson about family shortly after marrying Aaron. As a little bit of back story, I have three step-daughters. When Aaron and I married, ... Read More about How Step-Parents Can Cultivate Positive Relationships Between Half-Siblings
I always enjoyed Zig Zigler work, but after listening to his audio book “Raising Positive Kids in a Negative World", I’m completely sold. I wish I had listened to this audio years ago when I was trying to raise my teenage step-daughters. I feel really lucky to have stumbled across it now that I’ve got a toddler and am hoping to learn from the many mistakes I made with my step kids. One of the things that stuck out the most to me while listening to the audio was that it isn’t so much about the kids, but me as a parent. If I focus on the ... Read More about Resources to Help Find the Joy in Parenting
Why You Need A Last Will Or Living Trust Now: This is kind of morbid, but Aaron and I recently meet with our attorney to draw up our wills and living trust. After almost seven years of marriage, we decided to get on the ball and have a professional will and trust executed. It hasn’t been a fun process. Preparing a will makes you think of all the worst case scenarios. Now that we have a new baby, all of a sudden everything becomes just a little bit more important. With our older girls, it wasn’t much of an issue since we knew that if ... Read More about Why You Need A Last Will Now
How To Pay Off Debt With No Money: Paying off debt when you have no money is hard. To be blunt, your debt is making you broke, which means you can’t pay off your debt. It is a vicious cycle that you have to break in order to get ahead. So let's play a game of pretend. If you are average and making $50,000 a year then you are most likely bringing home around $3,300 per month. Your rent/mortgage is likely around $1,000-1,500 which doesn’t leave you much wiggle room for the other basics like food, gas, and utilities. You definitely don’t ... Read More about How To Pay Off Debt With No Money
How To Teach Honesty To A Child: Today I saw something that helped restore my faith in humanity. As I was checking out at Target a lady a few people in front of me was wrestling with 3 kids all in ages from 3-5. You could tell that the kids were done, they were tired and cranky and honestly kind of making a bit of a scene. The mother was obviously tired as well and you could see the frustration on her face as she finished up and walked out of the store. She was done too! As I was leaving, I had to stop at the exit to put my daughter's ... Read More about How To Teach Honesty To A Child
What is the Most Important Step in Retirement Planning? There are a ton of articles highlighting the financial reasons behind retirement savings. In fact, I read an excellent one this morning entitled “The 3 Money Magic Tricks”, which highlighted the importance of the time value of money, compounding interest and dollar cost averaging. All financial terms you hear regularly when it comes to retirement planning. Are they important – definitely! This article isn’t about any of that stuff - just ignore the financial terms for now. This ... Read More about What is the Most Important Step in Retirement Planning?