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ways to curb your spending

5 Things I’m Spending Too Much Money On And How I’m Going To Stop

I’ve  noticed that our spending has crept up over the past few months, and I think I’m mostly to blame. The problem is that I can justify just about any purchase and make it seem like a necessity. That’s probably a big reason we got into so much debt a few years ago. We’re not in that situation by a long shot, but I’m not liking the trends. I’ve found that when I share my financial woes, I’m much more likely to turn negative into positive, so here are the things I’m spending too much money on and how I’m ...

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purchasing a home and determining payments

Calculate Your Home Loan Repayments and Be Financially Ready

Australians who are getting ready to purchase a home understand the financial ramifications of such a major purchase, but many people are still too eager to take the time to step back and calculate the exact financial impact that buying a home will make. Calculating home loan repayments allows home buyers to understand how much they will need to have available each month in order to pay off their mortgage on time. The Dangers of Failing To Prepare People who are financially stable may be approved for a high amount when it comes to obtaining a mortgage. However, it is ...

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easy hike to geyser

Field Trip Friday

Happy Friday! It’s not just Friday today, but Field Trip Friday! No, Field Trip Friday is not a holiday you forgot about or even want to celebrate, it’s my own creation. Our daughter’s school is out two Fridays per month for teacher development. I managed to take every one of those days off, and I am also keeping another kid whose Mom is a teacher. I’ve made it a goal to take the two kiddos on a field trip every Friday when there is no school. We live in such an amazing outdoor paradise, that I’m gonna make them get ...

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Two years of being a landlord

Owning Rental Property: Year Two

It’s been almost two years since we became landlords. We are not professional real estate investors in any sense of the word, just people, like many of you, who are looking at investments that will build wealth and allow us to be financially independent. Here’s how we did in year two of owning rental property. Residential Property The residential property is humming along nicely. We did turn over a tenant, but the property management company had one waiting to move in, so there was no loss of rental income. There are some things that will need to be done on ...

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2nd graders getting phones

My 2nd Grader Asked For A Phone!

School has been back in session for about 5 weeks now, and second grade is fantastic for the most part. However, I had and interesting conversation with my 7 year old a few weeks ago. I expected it at some point, just not so soon. Yes, my 2nd grader has already asked for a phone! It’s Not The Students From being casual observer parents plus all of Jim’s insight as a teacher and principal over the past 14 years, we’ve come to the conclusion that it’s not the students who have problems. It’s the parents! From the kid in my ...

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