There’s Nothing Evil about Making Money

Dave Ramsey will often say, “Money is amoral.” It is just a tool.  It is neither evil or good. Can money be used for evil or good?  Absolutely.  However, the $20 bill in my wallet is not evil itself,  it’s just sitting there waiting to be plucked out for groceries or the babysitter. Oftentimes the Bible is misquoted by folks that say, “Money is the root of all evil.” Negative.  The Bible says, “For the LOVE of money is a root of …

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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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4 things I always buy at Aldi

Mr. Yoder Toter and I have always been frugal food shoppers, but having three children has added a dimension of buying things that we never did before.  Whereas I used to eat the only bowl of cereal each morning, there are now 4 bowls of cereal.  Or instead of using 4 pieces of bread for a sandwich, we’re up to 8 or 9.  All of this change has prompted some modifications to how I shop. Aldi has swept in and become …

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Stay in that apartment- Renting wins over buying

As I admitted in an earlier post, it is all my fault that we jumped into the real estate market when we did.  I had the baby fever and obviously thought that a 19.5″ little baby needed his own space to spread out! Here we are 8 years later, and while we adore our neighbors and fit wonderfully into our home, I know that we would have been smarter to continue renting.  Maybe indefinitely.  Owning a home is a money pit and …

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3 mistakes we made when buying our home

  It’s #MoneyMonday here on the blog and I thought I would talk about home-ownership!  I kind of hate that term because how many people TRULY own their home?  Very few!  Having a mortgage means that the BANK owns your home, not you.   Nonetheless, I want to be transparent and share some of the things we did wrong when we purchased our home: 1.  We did not put 20% down.  I know, I know.  Dave Ramsey just set a …

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Why we need to stop saying, “You need a bigger house.”

Guys & Gals, There is something that a few people have told me lately and it really gets my goat.  Pretty much since baby #3 was just a bun in the oven I’ve often heard, “You need a bigger house.” I don’t get this statement (and I have to curb the need to say, “You need a smaller mouth” LOL). Here’s the reality: I don’t need a bigger house.  Our family of 5 lives in a humble 1300 square feet.  When Brian …

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“You’ll always have a car payment.” (NOT!)

How to change your thinking and change your situation You don’t have to have a car payment!  In our consumerist culture we have been told, “You’ll always have to take out loans for college” and “You’ll always have a mortgage” and so we believe it. The truth is, you could pay yourself the car payment and then pay cash for a car.  Here’s how: Most Americans evaluate their finances only enough to know that the family can afford a $400/month, …

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How good mentorship can change your finances and your life

Why do young men begin a life of thievery or violence in order to support their habits? Why do some women serial date men that will never commit to marriage? Why do young students go out and borrow $100,000 for a Bachelors degree? This, and other issues, I believe can be radically changed by changing the level of mentorship in our society. Sometimes, this mentorship will be called parenting, but many times it won’t come directly from the parents.  I remember …

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