From a waterfall to a trickle

Things were going so well. I suppose it’s not fair to say that things aren’t going well, but the momentum has certainly slowed down quite a bit. The extra income has halted, and now we are stuck with simply being patient. That is certainly not one of my better qualities. Geez. Some people are never…

Read more...

‘The Year Of No’ monthly report: April

Whew, what a month April was. To start things off, we hit the four-figure month at the start of the month. I had hoped that number to happen at the end of March, but a delay in the paycheck from my side gig kept that from happening. But a paycheck is a paycheck, even if…

Read more...

How weird people live

It’s been said that normal people are broke, and weird people are the ones who are trying to be the opposite. We are definitely weird people. Lately I have been learning more about how these weirdos live. Last week a friend hit me up to join him for lunch. He offered to pick me up,…

Read more...

The duality of staying on the path

Last weekend, after working all day on my side job on a Saturday, I decided some family and outside was important so I grabbed my son and said, “Let’s go for a walk.” Across the street on our cul-de-sac is a heavily wooded area, so we opted for some exploring. From the outside, it was…

Read more...

The Beginning of the End

It’s a Big Day™. For the first time in my post-college adult life, since marriage, since kids, since what feels like forever, we are down to four figures of debt remaining. Eighteen years of stupid later, the end is in sight. I received another paycheck from my side gig today, then turned around and put…

Read more...

‘The Year Of No’ monthly report: March

While much of the United States is caught up with college basketball fever this month, we’ve had our own version of March Madness. This month has been a very busy one. I have worked a lot, and Amy has been busy tending to the kids more than usual. However, we did take time for a…

Read more...

What Toys ‘R’ Us can teach us about ourselves

Not only was I a Toys ‘R’ Us kid, but I was also a Toys ‘R’ Us adult. My first semester in college I decided to find a job. I was living at home and commuting to school, but needed something to pay for gas and match my parents for the tuition cost. There was a job…

Read more...

The Working Dead

Lately I’ve been thinking about the different strategies there are to getting out of debt. When it comes to our family, we had two viable options: Cut a lot of additional expenses and slowly cruise to debt freedom. Keep expenses at a stable level, but add an additional income stream to accelerate The Cause. I…

Read more...

How much should I cut while getting out of debt?

Recently a reader wrote me to ask my thoughts on how deep one should cut when getting out of debt. I’d love to hear your thoughts on charitable contributions and media services (Netflix, Hulu, Spotify, etc) while paying off debt. It’s a constant debate in our household. While these are easy-to-cut costs, they are also…

Read more...

‘The Year Of No’ monthly report: February

The theme for February was full steam ahead. It’s tax season, and even though we no longer own a house that we can deduct interest from, having three kids and student loan debt interest is still a tax saver. I have tried cutting the money I get back from the government each year by raising…

Read more...