How to make a budget

AKA: How to afford to do the things you want to do You can read lots and lots of financial advice. There are books and blogs and e-courses, oh my! However, we’ve found that truly the ONE thing you must have if you want to succeed financially is the dreaded B-word- a BUDGET! The months when we get off track with our budget are the months that we lose sight of the big picture. Creating a budget gives you the …

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Travel Hacking New Orleans

Flights and 4 nights for 5 people- under $300 We just returned from New Orleans thanks to some serious travel hacking and I wanted to share with you how we saved so much money on accommodation & flights. We’ve been able to travel more since learning how to better utilize our credit card points. For more info, start HERE: Why this Dave Ramsey follower still uses a credit card Our family flies for FREE We flew to New Orleans on …

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Travel Hacking the Canadian Rockies

A four-night, four-star trip for next-to-nothing. I’ve been so eager to tell you how we took second-honeymoon style trip to the Canadian Rockies for pennies on the dollar.? We started travel hacking about 2 years ago and using points and miles has definitely helped with our travel game. After booking our trip to Australia last year, I had a bunch of American Airlines miles left.?? Reading Bryce’s blog about how to use the Fairmont VISA gave me an idea- I’d …

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Our family of five hasn’t paid for a flight in three years – Here’s how you can, too!

Yes, you read that right! We’ve flown to New Orleans, Florida, Ireland, and Texas and paid only a few dollars in taxes. And that’s only the tip of the iceberg, we’ve also saved thousands on flights to Australia & Canada. I’m hoping that by the end of this article you, too, will understand how to use credit card points to get free flights. So, how do you fly for free? By racking up credit card miles in the most calculated …

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Picking the Perfect Family Road Trip Vehicle

Sponsored post I didn’t mention it on the blog, but back in March, we purchased a used 2014 Chrysler Town and Country.  My 2005 Dodge Caravan was beginning to have more issues than we wanted to deal with, and we decided that it was the proper time for a replacement. Mr. Yoder Toter and I had many lengthy discussions about getting an SUV versus sticking with a minivan.  We spoke to friends and family about the pros and cons of …

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Why this Dave Ramsey follower still uses a credit card

As much as I preach the Dave Ramsey financial gospel, there is one solid thing that I disagree with him on.  I think you can get out of debt and pay your bills and still have a credit card.   Now, as Paul Harvey would say, here is, “The rest of the story.” We never struggled with credit cards.  We had a car loan and student loan when we took Dave Ramsey’s Financial Peace University.  We were young and dumb, …

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Labor Day Financial Check-up

Most people celebrate the end of summer with a day by the pool or campground, but we choose to use a morning at home to do a financial check-up. ?It’s never a bad time to review your yearly finances, but the unofficial end of summer seems even more timely! ?The calendar is showing a slow-down to pop-up cookouts, weekend road trips, and high gas spending- so we can evaluate where we’re at and what expenses we have coming up. This …

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A Conversation about Retirement

I know that most of my readers are in the 25-39 crowd, but I think retirement, or our vision for retirement should really be in our minds from the onset of our careers.? While retirement can seem ions away, we should have have a conversation about retirement at the onset of adulthood. I know some people wake up everyday living for the paycheck, and others wake up everyday living for retirement.? From what I have encountered, the younger you are …

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