Lately, we’ve been trying to save as much money as we realistically can. We’re not doing anything too crazy, but we are trying to make a few lifestyle changes so we are not frivolously wasting money that doesn’t need to be spent. We are mainly trying to save money so that we can put a large… … Read more
Should we pay off our house early? What about the next house? Don’t worry guys, we haven’t bought our next house just yet. We’re keeping our current one for at least another 12 months. However, we have been thinking about whether we should pay off our current house quickly (we have been debating whether we… … Read more
Free Debt Payoff Plan Worksheet
Looking for a free debt thermometer printable? Making your goal visual is a great way to find motivation for paying off your debt and makes it easy to track your debt payoff process and become debt-free. Having your financial goal displayed in front of you can make it that much realer, plus it’s nice to… … Read more
Free Monthly Budget Worksheet
If you want to learn how to save money on groceries, then you’ve come to the right place! Figuring out how to save money on groceries is one of the best ways to learn how to save money. According to the United States Department of Agriculture, the average family of four spends around $700 to… … Read more
Today, I have an article from Penny. Her family of six spends just $53,000 a year, with $22,000 of that going towards their student loan debt. Here is her story. Dear Readers of Making Sense of Cents, I’m Penny. I write a blog with my cousin, Rich. It’s called Penny and Rich. He’s rich. I’m poor. Get… … Read more
Self-employment is definitely on my mind, and I want to be as prepared as possible for self-employment as I can be. I have been analyzing our budget a lot (our budget will be posted soon), and I have been looking for any categories in which we can lower or eliminate our spending altogether. Cable has… … Read more
We finally eliminated cable earlier this year. Cutting the cable cord wasn’t hard due to the fact that we have a digital antenna. And, guess what? We haven’t missed it one bit. According to NPD Group (a market research company), the average monthly cable bill in 2015 is expected to be $123. By the year… … Read more
What are dividends? This is a question I hear quite often from people who are starting to invest. Or, you might ask, “what are dividends?” when learning about the benefits of investing. Either way, you will start reading about the term “dividends” as you start investing, saving for retirement, improving your financial future, and so… … Read more
