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 Travel Hacking the Canadian Rockies We flew to New Orleans on Southwest …

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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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3 More Ways to Save Money

It’s President’s Day!  In honor of the day that celebrates Washington and Lincoln, I thought I could save you some Benjamins (who wasn’t a President, but whatev).   Here are 3 more things we do to save money. We don’t give it to the government Seems a little ironic, right?  While I’m patriotic to the US of A, the tax code should always be used to one’s advantage!  FYI: It’s YOUR money.  Since my husband is  self-employed, we do our best …

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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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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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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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