I Can See Clearly Now – Pay Down Debt
We thought we would finally be out of debt in October, when our 2009 tax debts expired. Our income has all been going to pay down debt.
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Browsing posts filed under Our Financial Journey.
Only Darkness Everyday – Owe Back Taxes? It Hurts!
When you owe back taxes to the IRS life becomes difficult. It can feel like you're living under a microscope and the stress is unbelievable.
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Ain’t No Sunshine – Cutting Expenses
For us 2013 was a rough time. We had been making headway on our debt until unemployment struck. We had to get serious about cutting expenses.
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When I’m 64 – Let’s Start Investing
Looking forward to retirement? Investing today will help you reach your long term goals and with a little planning isn't too difficult.
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Taxman – The Tax Comes Due
In 2013, IRS had had enough of our bullshit. They started the process to levy Scott’s paycheck and sent an agent to our door. Tax is no joke.
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Take the Money and Run – The Online Savings Account
Where do you keep this emergency fund you’re establishing? Our recommendation is to keep the bulk of it in an online savings account!
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In This Life of Luxury – Why Pay Taxes Today?
At first, it wasn’t a problem. The first few years, we would file our taxes on April 15th, and pay the amount we owed plus the penalties.
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Make A Stash – Your Emergency Fund
So, how much money do you need to save? That all depends on where you want to go but your first step needs to be an emergency fund.
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I Love To Live So Pleasantly – Stop The Spending
In 2007, life was amazing. We were complete morons, but hadn’t come to that realization yet. Excess spending was a way of life for us.
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Are You Happy Now? – Spending Money Won’t Help
Money, especially spending money, and emotions go hand in hand. Marketing depends on it and we are all at a disadvantage in that battle.
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Two Out Of Three Ain’t Bad – Business Failures
Despite our monumental stupidity, we have been incredibly fortunate. But, we have run into a bit of bad luck from time to time in business.
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It’s A Bitch – Interest Hurts
The amount financed on car loans, student loans, personal loans, and credit card debt is enormous, and the interest on it is staggering.
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Give Me Your Money – MLM Rackets
When Scott was 19 and I was 20, we joined a legal pyramid scheme, otherwise known as a multilevel marketing company, or an MLM.
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Check Yourself Before You Wreck Yourself – Lifestyle Creep
Are you surprised by how much money is going towards non-essentials? Income going up but still no extra cash? That's lifestyle creep.
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Money For Nothing – Credit Card Debt
When I was 18, and in college, I got my first credit card. I got it on a whim. I was about to get a crash course in credit card debt.
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It’s All About The Benjamins – Budgeting Everything
Unless you are a complete nerd (like me), budgeting probably sounds like utter drudgery. But, taking control of your finances can be fun!
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Please Allow Me To Introduce Myself
We are not experts on investing or how to get rich quick or how to barter your way from a single red paperclip to a house. We are experts in what not to do. We have made a fuck ton of mistakes over the past 2 decades.
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