Swamped! 2 Trailers Full And We Still Have More Stuff For The Yard Sale!

Wow.  My wife and I have been so busy this week, getting ready for the big yard sale on Saturday.  So far, I’ve filled up one covered trailer, one standard trailer, and the back of my pickup truck – and we STILL have stuff that we want to sell.  Basically, we are getting rid of anything that we don’t use (or plan to use in the next year).  This includes old clothes, old toys, several books, even an old lawn mower.  I detest “clutter” – and we keep our house pretty well organized – so I am AMAZED that we have so much stuff. The new baby will be born in April (a little girl!) so we are cleaning out…

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Making A Break With The Past – Changing Habits And Thinking Long Term About Personal Finances

I enjoy “running the numbers” – What will happen if I save “x” dollars for “y” years? What will my balance be if the rate goes from “q” to “r”? Can I retire in “z” years? I’m fascinated by the mathematics of personal finance – but I am also keenly aware of the emotions behind our purchasing, borrowing, and spending habits. Bad habits are hard to break and good habits are difficult to establish – It’s hard to start living on a budget, it’s hard to focus on debt reduction, it’s hard to care about insurance, dividends, and investing.  For years, I struggled to properly manage my finances. I’ve struggled to figure out “why” I used to be such a…

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Woops – How My Mistake Might Help Some Folks Track Their Debt Reduction Progress

If you missed the last post, scroll down just a bit – or click here. As you can see, there’s a chart titled “SavvyFrugality”.  This chart should not have been posted here. Instead, it should have been (and now is) posted over at my other site, the No Credit Needed Network. I created the No Credit Needed Network as a free resource – Basically, members can create a debt reduction chart or savings chart and share their progress.  I update the site two or three times a day.  If a member has a website, I’ll link to that site from the NCN Network homepage.  So far, more than 300 folks have joined the NCN Network – and more are joining…

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