5 Tips To Stop Spending Creep From Destroying Your Budget: I’ve noticed a trend in my spending lately. It is increasing – frequently. Most of it is just a bit of laziness on my part. We hit our major financial goal of getting out of consumer debt (we paid off $293,000). Yes, I have other financial goals, but my budget doesn’t need to be as tight as before which means I’m spending a little bit more. Increased lifestyle creep is never a good trend. Spending creep happens naturally. It happens when you are living on a tight budget and ... Read More about 5 Tips To Stop Spending Creep From Destroying Your Budget
How our emergency fund saved us $1,500: Making large dollar purchases is nerve wracking. I hate spending money and I really, really hate spending a lot of money at one time. When we purchased our home 7 years ago it was a new build. We were super excited to be in a home that in theory was relatively issue free. As any homeowner knows, this is a myth. Our air conditioning unit gave us problems from the beginning. I live in Phoenix, so A/C is rather important. Every year we’ve had issues with our units and have had to spend anywhere from ... Read More about How our emergency fund saved us $1,500
How To Set Up A Percentage Based Budget: A percentage based budget is a simple budgeting system based on three categories: Needs Wants Saving It is literally that simple. I recommend reading Is A Percentage Based Budgeting Plan Right For You before starting this post to make sure this is the right budgeting plan for you. To get started please download my Printable 50/30/20 Budget form: 1. Monthly Net Income Your monthly net income is how much money you bring home every month. Many people have deductions already removed ... Read More about How To Set Up A Percentage Based Budget
How To Fly With A Baby: My baby is getting more frequently flyer miles than most adults. My first time flying with Ella she was 3 months old and I was petrified. I heard so many horror stories about crying babies and had been on a few planes with them myself. I knew flying with a baby could turn negative very quickly. My number one goal for flying it to make my daughter as comfortable as possible. I know that if she is comfortable and happy everything else will work itself out. I’m actually finishing this post in a hotel room in ... Read More about How To Fly With A Baby
Is A Percentage Based Budget Plan Right for You: The percentage budget is one of the easiest budgeting systems to implement. I’ve used all types of budgeting methods at various times in my life. Some have worked better than others, this is one of the winners. The basis of my current budget is the 50/30/20 method. The percentage budget works well for people who are used to budgeting and have learned to control their money, rather than having their money control them. It allows for more flexibility and freedom and doesn’t require as ... Read More about Is A Percentage Based Budget Plan Right For You?
How To Use Personal Capital for Retirement Planning: I’m in the process of trying to decide what to do with our retirement accounts. After my recent discovery that fees were eating up all of my investment profits, I decided it was time to pull my retirement accounts out of auto pilot. While researching my options I stumbled upon a company called Personal Capital that intrigues me. Personal Capital is an online wealth management company. They specialize in tax efficient ETF portfolios. Personal Capital is not an investment research ... Read More about How To Use Personal Capital for Retirement Planning
How To Prepare Your Home For A Babysitter: Aaron and I got lucky with our little baby. She is super easy and for the most part well behaved. As a result, we’ve gotten in the habit of taking her with us everywhere instead of getting a babysitter. Now that she is a year old, it is getting a bit harder to drag her everywhere and I’ve begun the search for a couple of regular babysitters for the random weekend activities. Finding a good babysitter takes a lot of work and when you find them, they are like gold. To find a good babysitter I ... Read More about How To Prepare Your Home For A Babysitter