School Age

So your childcare costs are much lower now, and reduced to just after school programs, and babysitters. But now they have karate, tennis, math tutors, and lacrosse gear, to name a few expenses. Oh and they expect a cell phone, and the latest gear. Yes, we can set boundaries, but no matter how structured we are, they will need sports or music items, classes, and new clothes and shoes. Let's budget for this too. It's nothing we can't handle (READ: Sinking Fund.)

School Age

Top Reasons A 3% Merit Won’t Change Your Budget

So you’re banking on an annual merit or Cost of Living Adjustment (CoLA) and expecting extra money in your budget. Not so

February 10, 2021

Empty Nest/Higher Ed/School Age/Tweens & Teens

Live for the Now, Retire Later

I am still in the trough of life. Though I would call myself privileged, it’s still a race against time, balancing work,

October 1, 2022November 14, 2022

School Age

Top Reasons A 3% Merit Won’t Change Your Budget

So you’re banking on an annual merit or Cost of Living Adjustment (CoLA) and expecting extra money in your budget. Not so

February 10, 2021

School Age

Top 5 Ways to Budget Discretionary Income

So you actually have money left over each month after retirement contributions and childcare, the mortgage, utilities, food, and loan payments. Now

January 26, 2021January 26, 2021

Daycare Life/Expecting/School Age

Home Ownership: Top 5 Budget Busting Features

My husband and I spent many years on and off home hunting while we lived in a condo. We looking in more

January 18, 2021January 18, 2021

Daycare Life/Higher Ed/School Age/Tweens & Teens

Sinking Funds: For What and How?

Many people use Sinking Funds (SF) and others don’t know what they are. Chances are if you read about personal finance or

December 31, 2020December 31, 2020