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Refinancing? 10 Tips (Part 4)

Click here to read “Refinancing? (Part 1)”, “Refinancing? (Part 2)”, “Refinancing? (Part 3)”. In the days since we finished refinancing our rental property in Maryland, I have had some time to reflect on the process of refinancing.  I hope that these 10 tips will help you if you are in the process of refinancing your […]

Refinancing? (Part 3)

Click here to read “Refinancing? (Part 1)” and “Refinancing? (Part 2)”. If you have been following my Facebook page, then you already know the good news: WE FINISHED REFINANCING OUR HOUSE!!! After much discussion, we decided to go with the 30-year-mortgage, hoping that we can put the extra money each month into paying off our […]

Refinancing? (Part 2)

Click here to read “Refinancing? (Part 1).” When Brad and I were married in 2005, we bought a house in Maryland, thinking that we would live there for many years to come.  As you know, life doesn’t always turn out the way you plan.  19 months after we moved in, we were moving out.  We […]

Refinancing? (Part 1)

I was reading Reader’s Digest this week and saw the following in an article titled, “Cents and Sensibility” by Beth Kobliner: “If you have a mortgage, know the interest rate.  And learn if, when, and how it adjusts and whether refinancing makes sense.  Consider downsizing to a smaller home, a step that one in five […]

“Use it Up, Wear it Out, Make it Do, or Do Without”

During the Great Depression, a popular aphorism was “Use it Up, Wear it Out.  Make it Do, or Do Without.”  If you have spoken to or spent time with someone who lived through the Great Depression, you will notice that many consider frugality a virtue.  Our grandparents learned the hard way how to make things […]

35 Ideas for Saving Money as a Stay-at-Home-Mom

After four years of teaching art, and two years of teaching English in China, I became a Stay-at-Home-Mom in 2009.  I’ve had to learn a lot about saving money as a SAHM since then!  If you’re a new mom, or are considering staying at home with your children, I’ve compiled a list here of some […]

How I Made $222 in October!

In July I made $170. In August I made $200. In September I made $221. In October I made $222! Here is how I did it: Amazon Books: Brad cleaned out the garage, and I sold 11 books on Amazon in the past 2 weeks! ($170) Chase Rewards: I cashed out our credit card rewards […]

How I Made $221 in September, and $224 More Monthly!

In July I made $170. In August I made $200. In September I made $221!  And we increased our income by $224 monthly! Yes, I’m excited that I’m on a roll here, and yes, I’m very pleased with myself.  You can shake your head at me now.  In order to stay optimistic, I have learned […]

Missing Checkbook, Missing Grace

Last Thursday night I was rushing around preparing for a visit from the notary, the final step in our 4-month long refinancing process.  Aside from our signatures on a large pile of documents, the only other thing he needed was a check.  I opened the drawer where I usually keep it, but there was no […]

Our Monthly Budget

Today we got talking about Dave Ramsey at the swimming pool (wait–isn’t that what you talk about the swimming pool?) and we started discussing budgets.  Brad and I have never had a “budget” in the traditional sense, but we do know how much money we make each month and what it is going to pay.  […]

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