Archive for the Money

Being a Stay at Home Mom When You “Shouldn’t”

Many times over the past almost six years that I’ve been a stay at home mom, I’ve been riddled with guilt over our decision. Thoughts float around in my head: “Should I go back to work?”, “Will we be able to save enough for retirement without me financially contributing at this moment?”, “I really wish we could afford more flexibility in our budget so we could (go on vacation, join the Y, send our daughter to a cottage homeschool program, etc)”.  The guilt ate me alive at times!  It was especially worse right after my husband lost his job.  Not only was I feeling very depressed about him not having a job, I was feeling massive amounts of angst because I wasn’t working and bringing in a full time income. I finally had to sit down and decide what our plan was going to be.  Often times when anxious thoughts take over, I have to focus on the positives to make myself realize what the bigger picture is.  We have a plan, and hopefully next year this time things will be […]

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Dave Ramsey’s Baby Steps

Dave Ramsey is quite the financial guru, and one of his biggest beliefs is his “baby steps” program- the steps he believes will lead you to financial freedom.  I like Dave Ramsey, and I believe he’s got some great ideas to help people become debt free and lead a financially stable life.  Here are the 7 baby steps: Dave Ramsey’s Baby Steps Baby Step 1: Save $1,000 in an emergency fund This is the first thing you do: you bypass paying off any debt and sell your crap to earn more money to become debt free. This $1,000 emergency fund is in place to help you not dig deeper into debt. During step 1, a lot of people choose to get a “Dave job” (such as babysitting, delivering pizzas, basically anything to bring in extra income) to help fund the emergency fund faster. Baby Step 2: Pay off all debt except the house Here’s where you get serious about debt and decide to make a plan to pay it all off. Dave Ramsey recommends starting a list of debts with […]

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2017 Goals

Setting goals is extremely helpful for me.  I have anxiety if I don’t have a plan set in stone, and by writing down exactly what I’d like for us to accomplish makes me feel better.  Last year I didn’t set goals, but I did in 2009, 2010, 2011, 2012, 2014, 2015. -Pay $8,000 down on the principal of our home.  We’re still in the same house we bought almost 10 years ago. That is crazy! I never thought we would be here that long.  I’m glad because my sister and her family now live next door! I can’t see us moving in the near future, although you never know.  We’re slowly chipping away at the mortgage, and that feels good! -Save money for college education/the future for kid(s).  I would love to help provide funds for a college education for our child(ren) and will do the best we can with saving now.  I also figure by the time our kid(s) start college, we’ll have the mortgage paid off hopefully and will be debt free so that we can cash flow […]

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    Welcome! I'm Mrs. Money and I lead a frugal, simple, and debt free life on a modest income. I make money online to help support our family. I believe in saving money, living green, and enjoying life!

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