Emergency Savings – Three Bucket System

The 3 Bucket Emergency Savings System is simple: 3 different buckets of money that are filled one at a time and contain different levels of risk and potential growth.  After first bucket fills, the excess flows into the 2nd bucket.  Next, when the 2nd bucket is filled, the excess flows into the 3rd bucket.  Lastly, the 3… Read More

7 Ways to Cut $50 Off Your Monthly Expenses

monthly saving, monthly expenses

Christmas is less than a week away, and, if you’re like me you have blown your Christmas spending budget.  You are going to need to cut some spending somewhere to get your finances back on track as soon as possible.  Nearly half of Americans rack up credit card debt over the holidays (source).  If you’re one of them, … Read More

Sending Our Kids to College – Saving for College

Even though our boys are 2 years old and 2 months old, it is not too early to start saving for college.  If our children get into college, we want to help pay for it.  Unfortunately, the estimated costs for a 4 year degree in 16 & 18 years are pretty terrifying.  Furthermore, saving for college to cover all of … Read More

Pay Yourself First

One of the best, early lessons I learned was to “Pay Yourself” before you did anything else with your income.  My wife and I spent 6 ½ frustrating* years doing things the wrong way before wising up a little bit and actually putting money towards our future. 

*Let me be honest: in the middle of those 6 ½ years,

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