Archive for the Personal

Travel Now While You’re Young, or Save and Travel Later?

Have you seen this quote circulating the internet? I’ve seen quite a few people post it on Facebook and I have mixed feelings about it.  On one hand, I love it because I love to travel and I’d much rather spend money on traveling than crap that will clutter up my house.  On the other hand, I don’t agree with it because I don’t believe in spending money you don’t have or going into debt just to take a vacation.  We’ve been kicking around the idea of traveling to Colorado for a week to visit family but the logistics and money issue has been making us hesitant.  We want to be responsible but I also don’t want to regret our choices later.  Here are some of the things we’ve been taking into consideration: Money has been tight because we’re a one modest income family.  Every day I wake up thankful for what we have: a roof over our heads, food in our fridge and pantry, health insurance, good health, happiness, family, etc.  However, each month we don’t have hundreds of […]

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One and Only Child

After the birth of our daughter Penny, I said I wanted at least two more babies.  My thinking was that since we had such a hard time conceiving the first time (we were even considering adoption at one point) surely the second time it would be much easier.  Unfortunately that wasn’t the case.  Last year about this time we decided we would like to try to have another baby.  I met with a new doctor who is a fertility specialist, and she devised a plan to help us get pregnant.  I went through various medications, shots, hormones, ultrasounds, etc. and no progress.  Mr. Money and I decided after me not responding to fertility treatments that maybe we were just meant to have Penny and be satisfied at that.  It took me awhile (and sometimes it’s still really hard for me to go through her baby clothes or our cloth diapers) but as of today I am satisfied with my beautiful daughter and am trying to move forward.  One of the things that helps me cope is focusing on the positive parts of […]

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2015 Goals

Now that it’s 2015, I’d like to get our financial and life goals written down so we’ll have focus.  It is really hard for me when I don’t have some idea of what my goals are.  I feel like I’m lost!  Mr. Money and I discussed the things that are important to us, and where we’d like to be in a few years.  Here are some of the things we touched decided we’d like to accomplish: –Pay $5,000 down on the principal of our house.  According to the amortization, this puts us ahead.  We decided that paying off our house is probably not the number one priority for us.  There are other things we need to do with our money: save for retirement and Penny’s education, to name a couple.  $5,000 is still good progress, and I’ll honestly be happy if we accomplish this! –Save more money for retirement each month.  Mr. Money and I have IRAs through Vanguard that we’re going to be contributing to.  This year I finally consolidated ALL of our retirement accounts so I have a […]

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2014 Goals

Each year I try to set financial and life goals for our family. Here are the past years’ goals: 2009, 2010, 2011, 2012. Apparently last year I decided not to set goals, and that’s okay!  I do have some things I’d like to get accomplished this year, and I think writing them here will help keep me accountable and on track. -I’d like to get $5,000 paid down on the principal of our mortgage. I don’t think this is a huge stretch, and I’d love to see our mortgage balance shrink that much. Of course, I’d like to see it shrink to zero, but it’s going to be a long time before that can actually happen! -Replace the back roof.  Right now, we have rolled roofing on the back part of our house.  The slope is not enough, so we’ve got a leak in the door frame to our basement.  I think we’re going to go with a metal roof and hopefully will be able to do this ourselves with the help of friends and neighbors.  That would be an […]

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My Husband Lost his Job

So, this is a post I never thought I would be writing.  After seven years of working for the same company, Mr. Money lost his job.  I think we’re both still in shock and will try to figure out what is the best plan for our family.  I am so thankful that we have always been able to live on not a lot of money, so it’s not like we’re going to feel a huge lifestyle downgrade. I hope he is able to find a job quickly and that it is even better than the last one he had.  Benefits would be amazing!  Right now we have to pay for our really crappy health insurance ourselves and it’s expensive and doesn’t cover a lot.  Better health insurance and a 401k plan would be amazing.  While we’re at it, I’ll take good hours too. 😉 I’m trying to come up with some ideas to make money from home for myself.  I could start babysitting now that Mr. Money is home to help but after he goes back to work it may […]

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7 Links Project

I was tagged by Little House in the Valley to take part in the “7 Links Project“. This project highlights 7 of my past posts that directly relate to the following 7 questions, sort of a “blast from the past” type project. Trip Base initiated this project with the intention of uniting bloggers and bringing to light old posts that may have not gotten as much attention due to the blog’s infancy at the time of posting. Without further adieu, I’ll address each of the 7 categories below. Your most popular post – My post about “No Poo” is by far my most popular post.  I am always receiving comments and questions on this post, and it never ceases to amaze me the number of people that give it a try!  No poo is basically a method of washing your hair without shampoo.  It saves you money, limits the chemicals that touch your body, and is interesting, as it bucks the “normal” method of hair washing. A post whose success surprised you –Where Have All the Housewives Gone? At 78 […]

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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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