5 Tips for Buying Your First Home By 22


I am so proud of the fact that I bought my first home at 22.

And even though I was married, I bought the home on my own, without my husband, parents, or anyone else!  It certainly wasn’t easy, but it was completely worth it, and so today, I want to encourage you to buy a home as young as possible, and give you some tips to get you started on the path to home ownership! [Read More…]

How We’re Paying off $30,000 of Debt in 2015 – Part 1

It’s called the $30k2015 Challenge, and you guys….

I’m all over it.

But before I talk about how we arrived at this goal, let’s backtrack a little, shall we?  Our journey is not entirely made up of debt repayment.  When our debt is gone, it will not be the end of the line for us, or this blog.  We’ll still have a long way to go.

As I’m sure you can tell by the name of this little blog of mine, paying off debt is only step 1 in our 3-part plan to Retired by 40.

  • Step 1) Pay it all off except the mortgage.  
  • Step 2) Invest wisely.
  • Step 3) Retire early.

Like, really early!  And if retiring by 40 isn’t an aggressive goal, I don’t know what is.

So as you can see, I’m all about setting aggressive goals.  Right now since we’re in the payoffdebtasfastaswecan phase, that means setting big, crazy goals, that leave people shaking their heads.  But if you’ve been following my Inspiration Tuesday posts (FYI I’m taking the summer off from these, if you’ve been wondering where they are) then you know I love to leave people wondering what the hell I’m thinking.

 

Actually, I thrive on it!

 

Which leads me to how I landed on the #30k2015 Challenge. [Read More…]

Which Way Should We Refinance Our Debt?

Up until now, we’ve been very focus on saving money in ways that we can handle on our own.  Things like:

Everything we’ve done to save money, up until now has been things that I could research the crap out of on the internet (or Pinterest, haha) and then implement in, say, and afternoon.

However, beyond constantly working to stick to a strict budget, we’ve about exhausted all of our options for saving money on our own, and we decided it was possibly time to go talk to a bank about refinancing some of our debt.  We had 3 options in mind: a credit card balance transfer, a personal loan, or a home equity loan. [Read More…]

This whole blog centers around the idea of early retirement - specifically retiring by 40. This is the why and what of early retirement & what it means to us!

The Argument For Early Retirement

Perhaps you've noticed, but this blog's entire purpose centers around early retirement. Specifically, at the age of 40. Because of that, I'm sure that some people think we're crazy, some think we'll never make it, and others are jealous, but regardless of your own opinions about early ... read more

I use Personal Capital to manage my money because it is 100% free, comprehensive, and efficient - and I wouldn't have it any other way!

Why I Use Personal Capital To Manage My Money

Up until now, my money management situation has been pretty complicated.  It involved a bunch of online accounts, paper statements, excel spreadsheets, and even a "Finance Binder." Suffice to say, it took a lot of time and brainpower that I really didn't have to spare. But in 2015, I'm ... read more

With summer on the way, we are all looking for ways to get out and about, change up our routines, and possibly make extra money. Here are seven creative ways to make an extra $100 per week this summer.

7 Ways to Make An Extra $100 a Week This Summer

Editors Note: Thanks so much to Angie Nelson of The Work At Home Wife for submitting this post today!  I know I'm working on earning some extra money this summer, and Angie has some great ideas!  If you are interest in submitting a guest post, check the requirements over here and then shoot me an ... read more

I'm looking for ways to preserve my harvest without using a canner - and I've found 4 ways

4 Ways to Preserve the Harvest Without Using a Canner

Well, our garden is well underway! Our garden plans have changed about 12 times since we decided it was going to happen this year!  First, we were going to put in the garden out at my in-laws farm, where there is plenty of room and a really big tiller.  But then, I did the math and realized that ... read more