We’re Now Saving Over $7,000 A Year By Becoming A One Car Family Plus Monthly Life Update

May Goals Update 1 7Hello everyone! Time for another life, goals, and food budget update. The month isn’t over yet, but I’m typing this on the 28th and I think it’s close enough.

May was another great month for us. It was my birthday month and I did a good amount of traveling. I went to Utah, Nevada, California, St. Louis, and Gulf Shores in May and had a great time on these trips.

Colorado is still treating us very well. We are enjoying all of the outdoor activities that Colorado offers and everything else around here.

The only negative I can think of from this past month is that our house is still for sale. Let’s hope June is the month for us!

[Read more…]

Utah, Nevada, and California Road Trip Recap

Utah, Nevada, California Road Trip Recap 13In May, Wes and I took an eight day road trip to Zion National Park, Red Rock Canyon in Las Vegas, Joshua Tree National Park, and San Diego.

On this road trip, we did some sight seeing, climbed a little, and went on several fun hikes.

We were able to enjoy all of the national parks and national recreation areas for free due to our national park pass. If you don’t have one, I highly recommend you get one. The U.S. is full of amazing places to visit!

The total cost for our road trip was around $1,200.

We were able to have an adventurous, fun, relaxing, and luxurious vacation on this amount, which I am very happy about. We could have saved more money but we decided to splurge a little in some areas.

Below is a recap of our road trip:
[Read more…]

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

April Goals Update, New May Goals And A Food Budget UpdateHello everyone! Time for another life, goals, and food budget update.

April was another great month for us.

It was a record income month for us but it was also an expensive one.

May won’t be any cheaper as well since I’ll be gone for almost 20 days due to two separate trips, but it’s all budgeted for so I am still happy.

Colorado is still treating us well. We are enjoying all of the outdoor activities that Colorado offers and everything else around here.

Our house is still for sale in Missouri and that’s pretty much the only thing bogging us down. We keep going back and forth about what we want to do with it, and we have pretty much decided that lowering the price anymore is just crazy talk as it’s already priced much lower than all of the comparables near us. If it doesn’t sell though, we have plans and will remain positive about it regardless.

[Read more…]

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.

Related articles:

 

[Read more…]

$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.

[Read more…]