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Learning About Kid’s College Fund Planning

College fund planning. Every parent has wild dreams of hoping to make their child’s upbringing a little better than their own. It is natural to strive for this and is noble as well, as long as you are not sacrificing your own retirement, otherwise we are just trading one problem for another. Over the past week, I’ve been taking some time to go over some research about how much our family is going to need to send our 3 and a half year old and our 1 and a half year old to college when they hit 18. I thought […]

We Finally Closed Our Credit Card Accounts

So, Sunday morning I was hustling around and trying to get as much done before having to head out to church, taking advantage of my wife and kids being gone (they slept over at grandma’s house). It’s amazing the things you can get done when you are distraction free lol. Anyways, we have been going through Financial Peace University, and last week, we had the “Dumping Debt” lesson. Now, Jenni and I have been debt free, other than our house, since June 2013. But, for some reason, I couldn’t bring myself to actually close our two credit card accounts because […]

FPU Week 1: Super Saving

Jenni and I are working through Financial Peace University this fall and I thought I would do a companion series following the main principles and lessons from our classes. This particular article is based off of the lesson: Super Saving. If you haven’t taken Financial Peace University, I would highly recommend and encourage you check it out as it has completely changed how we handle our money and has allowed us to make a huge turn around in our finances as well as other parts of our marriage as well. What do you expect to be your greatest challenge as […]

Labor Day Weekend Fun

So, this past weekend was Labor Day weekend here in the USA and for many, that meant a 3 day weekend to spend time together and with extended family. Our family got to do the same this weekend, which was nice and relaxing. Canning We were able to hang out and have a rather lazy day on Saturday where I took to some canning (1st timer here) and my neighbor walked me though. I wasn’t planning on starting canning this year, but, my neighbor had a great peach tree this year and I decided to pick some. I couldn’t believe […]

How Can I Best Help You?

I have been tossing an idea around in my head for a while now. What’s the best way to grow income? I really feel that there are two ways to do it, but only one of those ways will lead to unstoppable growth. You can get hired on to earn income, e.g. pizza delivery, work a job, etc. Trading Time For Dollars By taking a job, you are always going to be limited to the hours you can put in because you are always trading time for dollars. And we all only have 24 hours in a day. And, even though […]

Do You Use A Checking Account Buffer

Do You Use A Checking Account Buffer?

Ah, the good old question of whether to keep a little bit of money tucked away into the main checking account. This seems to come up quite often with people just starting out making their budgets and starting to tell their money what to do. I thought it would be a great time to dive in and explain what a checking account buffer is, advantages and disadvantages to having it, and finally, what my family do in regards to this ourselves. If you have never created a budget yourself or need help, please check out this great guide I’ve put […]

Baby Step 3: Fully Funded Emergency Fund Update

So, all the hard work has finally paid off! We finally hit our magic number in our emergency fund and I made the transfer on 8/11/15 to finish it up! This is a very exciting moment since it means that we have  finally set a solid foundation by paying off all debt but our home mortgage and getting a 3-6 month emergency fund in place. We are now set up to focus on taking our extra money and begin investing it into long term growth. It has really been a long road for us to reach this milestone and took […]

The Power Of Dividends & Time

The other day I decided to check in on one of my favorite things, my Phillip Morris (Altria) stock (MO). When I was younger, I used to think that I would just invest all my money into dividend producing stocks and I would be rich. But, because of dumb financial mistakes and bills, I ended up cashing out almost all of my investments. I did, however, leave myself one share of one stock just to see what it would do over time though. And that one stock ended up being Phillip Morris (MO). I have held one share of MO […]

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2 Comments

  1. I love the net worth updates. I do this monthly myself and see myself in you as i get excited for $2 a month increase in principle!!! lol. A couple questions: Do you have a sample budget that you use? Also, have you considered refinancing your mortgage again? Over 4% is still pretty high. You can get a 15 year under 3% and probably wouldn’t change your payment much. Keep up the good work!

    • Hi Susan! Thanks for stopping by. I love watching the interest slowing fade away on the monthly interest! It’s so motivating!

      As far as sample budget, I use google sheets to run my budget. Are you looking for my numbers for that or looking for a spreadsheet you can plug your numbers into?
      On the mortgage, yeah I know we are a little bit high on the mortgage, but we weren’t ready to go down to a 15 year yet because we didn’t have enough equity yet not to have to bring a large sum to the table at closing so we are down to less than 19 years left… we will revisit our mortgage again pretty soon though. Our credit is great since we don’t have anything out there but our mortgage and a Kohl’s card that we don’t use but for the discount… I will have to see about the mortgage again though, thanks for the suggestion!

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