Deep Freeze on Spending

deep freeze

Well January is nearly behind us.  It was actually unseasonably warm with a couple snow falls, so we were lucky this year.  This was the first month we started really taking stock of our finances.  We knocked a few things off our list and we feel like we are set up pretty well moving into…

Planning ahead

Now that we have looked after the low hanging fruit, what is the plan for our debt?  We looked at interest rates, amount and cash flow to determine which to tackle first. In Order Begin Balance Interest Yearly Cost Monthly Cost Cost per $1000 Visa 7000 13.99% $979.30 $81.61 $11.66 Truck 11000 $3,536.00 $294.67 Furnace…

Low hanging fruit

I mentioned in earlier posts that the first step we took to get our finances under control was to scrutinize our regular expenses.  Here I will outline what we did.  Hope it is helpful.  I already talked about GoDaddy and Sirius in previous posts here and here. Old Cost New Cost Yearly Savings Monthly Savings…

Small Steps

Have you ever heard that it takes money to make money?  Pretty common phrase through my upbringing.  Probably because we didn’t have any money…..  Well, Jen and I have done ok on the “making money” front, but finding more examples daily on how to save money with money. One area we can use as an…