Budgets Are Sexy | Where Personal Finance Nerds are Cool

“I should have started tracking sooner…”

October 29, 2019

Morning! Remember our post on those 3 fails of mine because I didn’t listen to my dad years ago?? Well our friend Amy here has me beat, haha… And the only way I’m allowed to laugh at that is because the story came out somewhat well in the end ;) Yet another reminder though to always listen to your parents!! AND TO TRACK THAT MONEY!!! […]

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Ben Franklin: The OG of FIRE?

October 28, 2019

[Morning! Please welcome to the site today, B.C. Kowalski from FrugalWheels.com! Who challenges my notion that Warren Buffett was the original Early Retiree from our country, haha… But nope! Apparently ol’ Benny Franklin was ;) Take it away, B.C.!] ******* Did Ben Franklin invent FIRE? When Ben Franklin was 42, he worked out a deal with his partner in the print shop he built from […]

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Tomorrow is Official “Napoleon Hill Day”!

October 25, 2019

Fan of the book, “Think and Grow Rich”? Follow Napoleon Hill on Twitter or Facebook or any other social media platform, even though he’s been dead for almost 50 years now? ;) If so, tomorrow’s a fun day to celebrate him! The great Commonwealth of Virginia has officially declared this Saturday, October 26th, to be “Napoleon Hill Day“ (his birthday), and would make for a […]

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“Just one time!”

October 24, 2019

You ever catch yourself saying that whenever you’re about to splurge on something?? “JUST ONE TIME!” And then that one time becomes two times, and then three, and then before you know it you now have yourself a regular line item in your budget? ;) I don’t know if there’s a term for that (accidental lifestyle inflation?), but a commenter recently reminded me of it […]

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Log Cabin Ruth & Her Fantastic Side Hustles 💪💪

October 23, 2019

Morning! So the other day I randomly stumbled across this old email thread with a reader who was about to pay off her log cabin (that’s right – I said log cabin!!), and now years later I was curious to see if she ended up making it happen ;) I shot her a note, and below are pieces from our original convo back then (April, […]

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What’s Your Wealth Number?

October 22, 2019

If you’re tired of thinking about money in terms of “net worth,” here’s another way you can do it and more sneakily compare yourself to others ;) (Though you’ll still need to know your net worth # to play): Per Bloomberg Businessweek: “The world needs a more precise way to describe wealth. “Millionaire” is too broad, covering everyone from random pikers with a scant $1 […]

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The Problem with “Free” (and My 2 New Yard Sale Rules)

October 21, 2019

Morning!! I know we’re late into the yard sale season here, but I recently enacted two new rules for my kids while out shopping, and I’m realizing more and more how effective they are for us adults too ;) Let me know what you think: Rule #1: No more getting anything for FREE! I don’t know if your kids do this, but mine have been […]

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Books over Candy this Halloween Season??!

October 18, 2019

Here’s an idea for you this Halloween season :) Give children *books* during trick or treating instead of candy! An initiative started by BooksForTreats.org because “books feed children’s minds, while candy only feeds their cavities”, haha… All the dentists and librarians in the house stand up! Here’s the origin of it: Books For Treats founder Rebecca Morgan began offering books to her ghouls and goblins […]

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Stats Bomb VI

October 17, 2019

What up what up! Opened an email that rattled off the below stats, and reminded me we haven’t done a good bombing of them in a while… According to Northwestern Mutual, the average American has over $38,000 in Personal Debt According to GOBankingRates, 58% of Americans have less than $1,000 in Savings According to the New York Federal Reserve, over 7 million Americans are at […]

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Phrases to use instead of “I Don’t Want to Spend Money”

October 16, 2019

Caught this on Twitter and had to reshare! Great alternatives! So many of us struggle with saying “no” to stuff, but it’s not because we don’t care or *want* to do a lot of these things, it’s simply ’cause we’re trying to keep our $$$ reigned in! So having an arsenal of lines like this is SMART to have in your pockets for whenever you […]

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How Getting Sober Changed My Life — and My Money

October 15, 2019

[Good morning!!! I want to share a powerful story by a friend of mine, and new(ish) blogger on the scene, Deanna from Recovering Women Wealth, who’s not only found her path towards financial freedom, but freedom from the devil’s work too. A beautiful, and positive!, person putting herself out there in hopes of inspiring others! Thank you Deanna!!! And huge congratulations on it all!!!] ******* […]

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Our Decision on The Benz!

October 14, 2019

So after many (MANY!!) days obsessing about this and pouring over your thoughtful notes and advice and nudges (you sure didn’t hold back! Haha…) we finally made a decision on what we wanted to do with that Benz offer burning a hole in our brains… And that decision is…. drum roll please…. NOT TO BUY IT!! EEK! And instead, keep going forward with the minivan […]

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READY MONEY.

October 11, 2019

From a newspaper circa 1909: —————————– READY MONEY. —————————– A dollar gives you confidence, Five makes you walk on air, A ten-spot lets you face the world Without a thought of care. With fifty large ones right away You feel your own true worth, But get a hundred-dollar bill — Ah, well you own the earth. ****** Just let a fellow walk about Without a […]

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14 Wildly Different Allowance Strategies :)

October 10, 2019

So last week we asked how people do allowances since I’m still trying to nail down my own system, and BOY did the floodgates open! We got messages with all kinds of different styles and theories, ranging from “I pay nothing at all – we already pay for their LIFE!” all the way up to those ponying out $300+/mo whose kids are in charge of […]

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