Long before 2016 ended I was already mentally setting financial goals for 2017. Usually I make New Year’s Resolutions but after paying off $18k of student loan debt in 2016, I’ve changed my game. The whole process taught me to look at every dollar coming in and make a plan for it.
I’m not going to share with you where every single dollar of ours is going. However, I will share our general, overall financial goals for this year.
If you spend time at home, chances are you’re doing things to decrease the overall cleanliness of your house. You can’t help it; you’re a busy person. You’ve got errands to run, work to do, and maybe kids to chauffeur around town. So, it’s much easier to dump things where they don’t belong and move on with what you’re doing. But those little things all add up and before you know it you need to do some fake-cleaning before anybody sees your house! As a working girl myself, I found that these daily habits help keep my house in better order. I don’t always manage to keep these habits, but just being aware of them has helped me tremendously!
Five Benefits of Combining Finances – for couples keeping separate accounts
Like many couples these days, my husband and I lived together before we were married so our finances have evolved over time. We became roommates while we lived in college housing and student loans covered our living expenses. When we moved out of college housing, we opened a joint checking account and developed a (flawed) system of each transferring half-ish of what was needed to cover the joint bills. This system only got more confusing and flawed as time went on and it carried over into our marriage. We were married for over two years and even bought a house before we learned the benefits of combining finances.
Combining finances isn’t for everyone, but here are the reasons it works for us:
When we first started our budget in January 2016, I knew we were spending more money than needed but I wasn’t sure where that money was going. In order to pay off debt, we really needed to cut spending. It took us a few months but as we tightened our budget, we found the following 8 items to be draining our hard-earned cash from the bank account. Continue reading 8 Things We Were Wasting Money On
How to fake-clean your house quickly and pretend it always looks this way in 5 steps!
When you are having unexpected guests dropping by (in-laws, friends, colleagues) and your house looks normal (read: a mess) there are a few quick things you can do to improve its state of cleanliness without looking like you tried too hard. These are ranked in order of importance, so start at the top and work your way through. Also, only clean the rooms that your guests will see and completely ignore the others. Now is not the time to clean the vanity in the master bathroom or finally find the floor in the garage. Continue reading 5 Steps to Fake-Clean Your House Like a Pro!