Important Money Lessons My Dad Taught Me – Money Doesn’t Have To Make Your Life Miserable

One of my favorite pictures of my dad!

One of my favorite pictures of my dad!

Tomorrow marks seven years since the day that my wonderful father passed away after a six month battle with cancer. I don’t talk about him much as it’s still a tough subject for me.

However, he was a HUGE part of my life (I was a daddy’s girl 100%) and not talking about him just wouldn’t make sense.

This is especially true because he taught me so many important money lessons.

Below are some of the money lessons my father taught me.


He taught me that I could afford to travel.

My dad traveled all over the world.

Besides his family, the other things he loved in life were traveling and airplanes. He always made sure to fit traveling into his life in any way he could, and I gained many great memories from it.

I still remember him taking me to Disney World ALL THE TIME (I loved it!), him taking me up in small planes (he had his pilot’s license), and even having a great time at the airport. He loved every little part about traveling.

He created hundreds of photo albums from his travels which I still look at on a regular basis. I also recently found a travel journal he kept which listed out all of the amazing places he traveled to.

My dad was not rich if that’s what you are thinking. Instead, he worked with his budget and always made sure to fit exciting trips in because that is what he believed in.

For example, he bought a new Camaro in 1984 (this was his baby), and he drove it up until a few months before he passed away in 2008. He didn’t care about furniture, electronics, or anything else. He would often work long hours, he hardly ever called off work, during short-term layoffs he would find low-paying jobs at other airlines, he always had a budget, he always saved money, and more.

He was all about travel and he managed his money well so that he could take trips whenever he could.


He taught me to not live paycheck to paycheck.

My dad was all about having a budget. He went over his budget and his checkbook nearly every single day. Working for the airlines meant that he occasionally got laid off and rehired over and over again.

Due to this, he always made sure to budget his money well.

He always had an emergency fund, he always made sure he spent less money than he made, and he always made sure to put as much money as he could towards retirement.

My dad did anything and everything to make sure that as kids we didn’t have to worry about money or go without anything that we needed. It’s a trait of his that I loved. Even when he would get laid off, he never acted like it was a big deal because he was always prepared.


He taught me that credit can be used to my advantage.

The topic of credit cards and credit came up a lot when I was younger.

I remember one day my dad was complaining about a scammy credit card commercial. I was super young and said “I’m never going to have a credit card!”

My dad then told me that credit cards could be used to my advantage if I used them correctly. He then taught me all about how to use credit cards at a young age, and I now use credit cards very often to earn awesome rewards and bonuses.

Already in 2015, I have earned over $1,000 in cash back through my credit cards by spending just like how I normally would.

Thanks Dad for another great money lesson!


He taught me that money doesn’t have to limit you.

Out of all of the money lessons he taught me, this last one is probably the most important.

Even though my dad passed away too young, lived on a budget, and saved for a retirement that he never got to experience, I truly believe that he still lived the life he wanted to live.

He was still able to travel all over the world and he visited many, many countries. I’m not sure how many countries he visited but I’m sure it was well over 50.

I think the most important money lesson that I learned from my father is that money doesn’t have to control you. Even though you will never know when your last day is, you can still save and spend your money wisely, while also living the life you want.

Too many people believe that they can’t lead a good life on a budget. That is not true at all. You can still live a great life while managing your money, and without regret.

What money lessons did your parents teach you? What will you make sure you teach your children?


6 Ways I Saved Money On College Costs

How Much Does College Cost College Costs A College Budget

How much does college cost? This is a question many wonder. There’s rarely a week that goes by where I don’t receive an email from a student or parents of a student who are looking for ways to cut college costs. That’s why today I want to talk about college costs and how you can create a college budget that works.

College is very expensive – there is no doubt about that.

However, I want you to know that it IS possible to get a valuable college degree on a budget!

The average public university is over $20,000 per year and the average private university totals over $45,000 once you account for tuition, room and board, fees, textbooks, living expenses and more.

Even with how expensive college can possibly be, there are many ways to cut college expenses and create a college budget so that you can control rising college costs.

Continue reading below to read about the many different ways I cut college costs. While I was not perfect and still racked up student loan debt, I did earn three college degrees on a reasonable budget.

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$15,151 in March – My Monthly Online Income Report Plus Traffic Stats

My Monthly Online Income Report

Welcome to March’s online income report where I show you how I make money online. It’s time to look at this month’s update and track how I did.

Background information on my monthly online income report.

If you are new here, you might be wondering why I would want to publish my online income reports each month. If you are not new here, you can just skip to the next section :)

This all started out as my side income report because in the beginning it was all about the money I was earning from my side jobs. In my side income reports from the beginning, I included all of the income I made except for what I made at my day job (that was a fixed amount and boring anyways).

However, I left my day job as a financial analyst towards the end of 2013 and now my monthly income reports consist of the several different ways I bring in an income each month.

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March Goals Update, New April Goals And A Food Budget Update

March Goals Update, New April Goals And Food Budget Update 1Hello everyone! Time for another life, goals, and food budget update.

March was another great month.

We are still enjoying our new home in Colorado. The weather has been perfect here, with nearly every single day being in the mid-70s. It’s also been sunny every day and I think it’s only rained once or twice. It’s been wonderful!

Our house is still for sale in Missouri.

It hasn’t sold yet, but we did decide to drop the price a little. The house is for sale for less than what we originally bought it for, which stinks but we’re hoping it sells quickly. We have had several showings in the past month so I’m hoping something eventually happens! [Read more…]

Life Without Cable – Start Saving More Money Today

How To Cut Cable - My Tips For Cutting Cable TodayA few months ago, we finally got rid of cable. Since cutting cable out of our lives, we haven’t missed it one bit.

We are still watching all of our favorite shows, we can still watch the news, and we don’t feel like we’re missing out on anything at all.

There has only been one time when I wished we still had cable and that was so that I could watch the newest season of Walking Dead. That will eventually come out on Netflix though, so I can wait for that – no problem at all.

According to NPD Group (a market research company), the average monthly cable bill in 2015 is expected to be $123. By the year 2020, the average cable bill is expected to be around $200 a month.

That’s a lot of money.

That’s $1,476 for 2015 alone. By 2020, the average annual cable bill would then be $2,400.

I know of many people who spend much more than this as well, such as someone who recently told me that they spend over $300 a MONTH on their cable bill. While that may seem crazy to you, I have heard of many people who pay this much money and sometimes even more for cable.

By learning how to cut cable, you could save thousands of dollars over your lifetime. That money could be better spent on retirement, traveling, family, and more.

Below are different areas that some of you have wondered about when it comes to cutting cable. Continue reading to learn how to cut cable today. [Read more…]

February’s Food Budget Check In – We Failed But I’m Happy

Our Food Budget Check In

It’s now been a little over two months since we finally created an action plan to lower our food spending.

At the end of December, I published the post Our Plan To Finally Cut Our Food Spending. Below is a snippet from that post:

When I first started blogging back in 2011, we were spending over $1,000 on food each month JUST for the two of us.

Food spending is something that we have always had a problem with. Whether it be spending too much money at restaurants or spending too much money on processed junk food, it’s been a problem.

We are no longer spending over $1,000 a month on food, but it is an area that we still need to work on.

Some have asked why we want to spend less money on food.

I’m not sure what to say except for why wouldn’t we? 

While we both love food, we know that we spend too much money on it and it could be saved for better things. It’s not like we are eating well just because we are spending so much money on food. [Read more…]