Should You Pay Off Debt or Save First?

Pay Off Debt or Save?

A few years ago we had credit card debt.  How did we accumulate it?  The same way any “normal” family does – home expenses or some other series of random purchases. We also worked really hard to pay it off.  When the debt was finally paid off, it was almost anti-climactic because we didn’t even realize how fast it’d happened.  We didn’t really have a plan, but we put as much as we could toward debt and it worked. I think just being aware of the debt was the first step.

This doesn’t mean we are debt-free though. We still have student loan debt and a car loan we’re working to pay off,  as well as a mortgage and home equity line.  But for some reason paying off the credit card debt felt pretty damn good.  When we were in this place, there wasn’t even a thought of stashing cash – we just wanted the debt gone. Yet, as we get older, make more money, and cut our overall debt, I’ve often considered padding my savings over paying down debt.

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The Top 10 Reasons Frugality Is So Liberating


Picture this. You’re at the mall with your buddy, wife, creepy neighbor…whoever. You see a brand new Microsoft Store that’s just opened up, and you want to check it out. After all, there is a line of people waiting to play Xbox One on a 50-foot screen, so it must be cool. As you’re walking … Read More

7 Ways to Get Your Frugal Landscaping On

frugal landscaping -

Holy crap landscaping is expensive! We got an estimate last summer to do mulch and some basic plants in our front yard and it was around $4,000. Ugh. A few years ago, I decided to be Mr. Badass and cut my own mulch beds, not having a fucking clue what I was doing. I had a … Read More

When Frugalism Becomes Extremism


I am all for being frugal and living below my means, but what happens when it becomes too extreme? We got take-out last night because we were too tired to cook. I was really hungry by the end of the work day, so I was totally on board. $14… Who cares, right? Yet, as I … Read More

Minimalist Blog: 5 Life-Changing Blogs On Minimalism

Minimalism Minimalist

Minimalism is fascinating, isn’t it? People who live as minimalists enjoy a life free of clutter and stress. They also usually have little to no debt, because they’re busy spending their money on experiences and life – not things. I first became enthralled with minimalism a couple of years ago after watching Joshua Fields Millburn and … Read More

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Minimalism Minimalist

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unique date ideas

More than two decades ago, Americans spent $162 in groceries for every $100 they spent in restaurants. But this past January, they spent nearly equal amounts of money in both places: $50.475 billion in restaurants and bars, and $50.466 billion in grocery stores. The above quote is from Rachel Tepper of Yahoo! Food, and according … Read More