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Author: Laurie

10 Things Millionaires Know About Money & Success That You Don’t

Is that elusive goal of “millionaire” status still seemingly out of reach to you? For years I thought that attaining millionaire status was just “luck of the draw”. Some people were “meant” to be rich, and others were “meant” to be poor. No matter how hard I tried, I couldn’t seem to change my dire financial situation, so I figured that was a sign that I wasn’t destined to be rich – or even financially stable. Read more

50 Great Side Hustle Ideas

Ever thought about picking up a side hustle? I’m guessing that if you’re reading this you probably have. Side hustling has literally saved us financially. When we first started our “get out of debt” journey, we had a 65% – 70% debt-to-income ratio.

That means that more than 65% of Rick’s gross pay was taken up for required minimum debt payments each month. As you can imagine, that left us with quite a huge monthly deficit. Read more

How a Family of Six Keeps Healthcare Costs Low

 

***Disclaimer: We are not medical doctors and are simply sharing our opinions here and what has worked well for us.  Consult your doctor before changing your health care plan or the way you manage your health.

Four years ago, in our quest to cut expenses,  we changed to a higher deductible health insurance option with lower premiums.  We realized this was a bit risky with 4 kids, so in order to ward off some of this risk, we’ve put some practices in place to help minimize our need for medical care.  We’ve found that by optimizing our health, we rarely go to the doctor now, and have saved several hundred dollars, at least, in our healthcare spending each year.  And it’s working. In fact, in 2016 we only spent $139.55 out of pocket for medical expenses not including our monthly premium, even on our high deductible plan. We’re no longer those people that the doctor’s office knows so well. We show up every year or two for our annual physicals, and that’s about it. Here’s some of what we’re doing to keep healthcare costs low. : Read more

True Financial Restoration Has to Come from the Inside Out

When I was in my early twenties (I’ll be 50 this summer) my BFF Judie and I were workout queens. Gym rats. Gym nerds. Muscle heads. Whatever you want to call it. We were amateur body builders who lifted weights three times a week in training from our body builder friends and spent three more days a week running or rollerblading around local lakes (it was the early nineties, after all 🙂 )

On the outside, our appearances were perfect. In fact, one time a guy came up to me on the street and said “MAN, you have the nicest calves I’ve ever seen!” It felt good to be complimented on a part of the body that most guys don’t usually notice. 🙂   Read more

3 Ways to Avoid Discouragement During Debt Payoff

If you’re like we were, you might find after making the decision to get out of debt that you may have bit off more than you could chew.  I know that many of you are in way over your heads right now.  You’re facing a mountain that – let’s face it – is just too big.  I know that, because that’s the situation we were in four years ago. Then things got better. And then, after a series of personal crises, they got much, much worse, and we had to start our journey to get out of debt all over again, with a debt load over twice as high as we began with.  Read more

What Happened When One Family Set a Goal to be Mortgage Free in Seven Years

Today we’re sharing the story of Owen and his family. Find out what happened when they bought their house in the midst of tough economic times. 

When we bought our first home it was in the middle of the financial crisis. Our purchase came with a $240,000 mortgage. It was a ridiculous sum of money. It also seemed like a very risky time to buy. People were being laid off, the stock market was tanking, and we were taking on a massive amount of debt. It was the largest amount of money we had ever owed. Read more

10 Brilliant Ways to Keep Young Kids Active and Entertained for Free

Enjoy this guest post from fellow blogger Sandra Cobain. 

Kids need plenty of exercise for good health. It’s a no brainer, right?

Along with preventing health complications from obesity, exercise has a ton of benefits including strong bones, better endurance, deeper sleep, better focus, less stress and an improved mental health, among others.

So how do you get your kids to exercise? Probably not by taking them to the gym and putting them on a treadmill. I doubt they’ll get excited about that. Read more