When YNAB and Dave Ramsey entered our lives, we became an unstoppable force to meet our financial goals. Our original debt payoff forecasts were beat by a mile, largely because we got serious and focused all of our time, energy, and money to debt payoff. We had met some really great goals and were feeling great. But there was … Read More
We had a failure that was the catalyst to change and a tool that would help us change our relationship with money. Now we needed to get out of debt. We needed to get serious. We needed Dave Ramsey. Full disclosure: our household has kind of moved away from some of Dave Ramsey’s ideas since 2010 when fully committed … Read More
You’re at the mall, it’s the 12th of the month and you want to buy sunglasses. Do you have the money? If you’re living paycheck to paycheck, it depends on whether the mortgage will come before or after your paycheck. It might also depend on your checking account balance. This is normal for many people. … Read More
I experienced a financial setback that got my attention enough to make some serious changes in my life. I needed to assemble a team that could help me meet my goals. A friend of mine had told me about budgeting software that he had loved that fit with how I liked to budget. I hadn’t taken You Need … Read More
“We don’t take credit cards, only cash.” It was November 2009, and I was locked into a project to improve our house in several ways to prepare for our third child. As with most home projects, reality quickly surpassed our budget. That was OK. I was going to use my credit card. Nevermind that I … Read More