6 Months of Snowflakes = $800 Bonus Car Payment

photo credit: wvs

Man, snowflakes can really pile up fast if you’re not paying attention! When I started squirreling money away from surveys, “found money”, and side income, I didn’t think it would ever amount to much - and that’s why snowflaking is so successful. Little by little, your snowflakes grow into a [...]

“That’ll Be 13 Caveman Hours, Please.”

Two Fridays ago, I put a down payment on the bike I wanted since the bike shop had to order it for me. After picking out my color, the salesman rang up my order to get my final total. With sales tax, the amount came out to be around $330, but what I [...]

The Ball and Chain of Debt

I was analyzing our overall expenses this weekend and I was amazed at how much of my salary goes toward paying debt. Each month, after withholding for taxes, insurance, and my 401(k), I bring home $4,300. Over that same period, the car loan, student loans, home equity loan, and mortgage bleed away $1,700. [...]

Debt Dieting Is a Lot Like Weight Loss

With the passing of my birthday last weekend, I decided it was time to make some major changes in the direction of my life. Adding to the financial changes we’ve made, I also began some personal, physical changes as well.
Since graduating high school 10 years ago, I have steadily gained weight every year, with [...]

Time to Update the Debt Graph Poster

The other night, my wife and I realized we haven’t updated our debt graph poster since we built it three months ago. A lot has changed in that time and we wanted to see the fruits of our labor. So, once again, I pulled out my trusty ruler and calculator and sat down [...]