Sinking Funds. Tips for Beginnger Budgets and Debt Payoff

Sinking Funds. Tips for Beginnger Budgets and Debt Payoff

It’s no secret that Tom and I have struggled big time when it comes to finances. During those times in life when we had less kids to worry about, more time and money we made terrible choices. What could have been the best savings years of our lives turned into the best Chinese food eating years of our lives. We had all the latest movies and clothes and we ate at all of our favorite restaurants. Still at the end of the month we found ourselves penniless. If only time travel was possible…I would totally go back in time and kick my well dressed butt. These days, we have dug ourselves out of some serious debt, gotten our priorities strait and we have sinking funds to thank. So let’s talk downsized debt. I will give you the run down on sinking funds, the best tips for beginner budgets and how to start debt payoff the easy way.

Minimalism: Downsizing Everything But Your Stuff

Minimalism: Downsizing Everything But Your Stuff

The minimalism movement is on the rise and I could not be more thrilled about it. However, there is a huge misconception when it comes to minimalism; even I’m guilty of it. There is this unspoken (or maybe frequently spoken) idea that being a minimalist means living in a shack and renouncing all your possessions so that you may live a fulfilled life as a Buddhist monk. Hard pass. Hard pass. Minimalism to me has come to mean clearing out the clutter to make room for only things that bring you maximum joy. Downsize in most areas to make huge room for better things in other areas. Now, here’s the catch: downsizing doesn’t only occur in your home or with your stuff. Downsizing can happen in multiple areas of your life and it should if you plan on living your life to the fullest. Minimalism is about freedom, clarity and living a life without being tied down by the things in life that hold you back.

Organize Your Life for the New Year

Organize Your Life for the New Year

Goals. I have set so many this year and it has felt awesome. Starting a blog has given me no other choice. Tom’s work schedule has changed so many times I am quite literally incapable of having a job outside of the house and homeschooling. At first this caused me a great amount of stress. Then, the more I thought about it, the more I realized these changes meant I had no choice but to put all my energy and focus into making my blog succeed. Like a lot of “creative” types, I tend to be scatter brained by nature. Slowly, step by step, I have improved my bouncy brained personality and it has paid off huge. If you want to see some of the tools I used to help keep myself on track, meet my goals and make my dream of full time blogging come true, read on. I’m fully confident that these same tools can help you organize your life just in time for the new year. Even though that shouldn’t stop you from setting goals all year long!