Budget Breakdown

Budget Breakdown

You ask and you shall receive! One of the takeaways from the money map was a breakdown of the budget was warranted. Early Budget Back when it was just me before I started dating Ms Blue Ribbon I was smart enough to at least track my money and have a “budget.” It was pretty light and wasn’t being followed at all but it was something. I kept with that style after we started dating and even after we got married….

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My FIRE Prowess Score

My FIRE Prowess Score

If you are like many in the personal finance community, you have more spreadsheets than you own shoes. We generally love our data sets and projections. I have one spreadsheet that lets me have all of my mortgage payments recalculate to see how different payment strategies would affect the final payoff date. A lot of us also love to track and make public our net worth. We do this to keep ourselves accountable for what we write and be on…

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Walking on Sunshine

Walking on Sunshine

Growing up in the country and having a farmer as your dad you tend to have a respect for nature. You see the cows that give you milk as the gentle creatures they are and the land as something that helps yield the crops to feed the cows. Doesn’t help having a home surrounded by beautiful trees. Sorry that was a little hippy-ish. Thinking Green I really think the thing that triggered my interest in green technology was the Tesla…

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Beyond Stealth Wealth

Beyond Stealth Wealth

I’ve never been one to care what others think of me. I have to learn to care a little bit at work once a year for self reviews though. Otherwise to me the only opinions that matter are my son’s and wife’s. Sibling Outing This creates interesting situations for me. Back in college my oldest sister invited me grocery shopping. She wanted to help me out with food and have some sibling bonding time. A little back story, I am…

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Frugal With Kids – 10 Things to Help Make Kids Cheaper

Frugal With Kids – 10 Things to Help Make Kids Cheaper

I hear it nonstop. “Kids are expensive.” It gets very old. I’m not sure if it is more annoying from people who don’t have kids or people with older kids. I have to hold my tongue because I could easily turn around and say, “your 4,000 square foot house with 2 people is expensive” or “your brand new $30k+ car is expensive.” Everyone chooses to spend their money differently and that’s ok. What matters is spending with purpose and on…

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Escaping The American Trap

Escaping The American Trap

When Ms Blue Ribbon and I were married we quickly fell into the American Dream Trap. We got our mortgage, new (financed) car, and extra loan (because we could). Everything was just as it was supposed to be. We were even starting to spend more a month than we were taking in. Having a Why That’s when it happened, our turning point. Ms Blue Ribbon and I had a baby, Mini Donut. This was our catalyst. I kept trying to make…

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Money Map

Money Map

Time is a wonderful thing isn’t it? It will speed along when you least expect it. You will eventually see the magic that is compound interest. Auto-payments will stack up, sooner or later there are accounts everywhere and you can’t remember them all. WHERE IS YOUR MONEY?! A long time ago I was in the dark when it came to a lot of things: budgets, net worth, and money-maps. Back in the beginning of learning about personal finance there was…

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2017 Q2 Networth and Goals Update

2017 Q2 Networth and Goals Update

When I was first starting out on the path of getting my finances together I stumbled upon the website, BudgetsAreSexy.com J. Money was the one that got me tracking my networth. Maybe the most important thing you can do on your path through personal finance. I’ve been tracking my network since March of 2016. I finally knew if I was making progress. Tracking your network is to help you see if what you are doing is working or not. Adding…

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Financial Regret: Not knowing is Not an excuse

Financial Regret: Not knowing is Not an excuse

I used to think I was pretty cool. I had a financial advisor. It seemed weird to say because I thought only rich people had them. I would ask him about advice for where to put my money in my 401k. He would direct me where my private Roth IRA allocations were. Eventually, when I rolled my 401k into an IRA he managed that too. When our son was born he created a 529 for him and set up that…

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Allowance: The Anti-Deprivation

Allowance: The Anti-Deprivation

After we became debt free and we had a 6 month emergency fund we backed off a little on the gas. I was starting to feel deprived and it was hard to stay motivated. After reading some other blogs I found many people had fun money. Money to do whatever you want with. I suggested to my wife, Ms Blue Ribbon, that maybe we should take an allowance. Nothing much, just $15 each a month. She was good with that…

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