I grew up frequenting thrift stores and shopping at yard sales or garage sales. It’s a hobby that both of my parents enjoy. I enjoy the hunt for something unique as well as the savings that can be gathered by finding a used, cheap version of something you were going to otherwise buy new. While I enjoy buying used, I make a point of buying some new and others used. I tend to buy new when I think an item … Read the rest
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I’ve lived in four different apartments over the past six years or so. I’ve learned more than I really ever cared to know about renting! However, some of what I have learned has helped me to make better choices each time we move. In large part this came down to budgeting differences between apartments. My boyfriend & I have always stuck to the lower end of our budget range when moving just to … Read the rest
I graduated high school in 2009. My boyfriend and I were both financially independent from our parents, though he is a few years older than I am. Around 2010 or 2011 were our tightest financial year or two by far. My boyfriend was laid off from his factory job for part of that time period, and we were both trying to get through college. I was blogging but I was barely making any money. While we are still not quite … Read the rest
I’ve seen multiple articles circulating around Facebook about the importance of not making Christmas about material goods. I understand that sentiment. Many of these are centered around children, and trying to teach them to be thankful for what they have. However, I’ve also seen some discussions about gift giving between adults. I was recently talking to a friend who said that she only gives her boyfriend things he needs, such as socks or gloves, or tools for his job. She … Read the rest
My boyfriend and I have been together for almost 9 years. We’ve mixed finances for several years now. We are both self-employed and have irregular incomes. However, his is much more reliable than mine is. Thankfully, neither of us have much overhead which helps to simplify our budgets in the areas where they mix with our businesses. Still, we aren’t in a position to be able to budget with savings every single month. Here is the basic framework for how … Read the rest
Where should I sell my stuff to make the most money? Well, that depends a lot on what your “stuff” is. I grew up in a frugal household that regularly took advantage of buying items at thrift stores, yard sales and Ebay. When you purchase items second-hand for a while, you learn that prices can vary quite a bit on the same items on different sites. This is great information to have when you’re looking to buy used items, but … Read the rest
When Ryan & I first had our own apartment, we often found ourselves paying late fees. Before moving into our first apartment, we had sat down and wrote out a budget. We knew we had an income that was higher than the total of our bills. Neither of us were big spenders, or buying things we didn’t need. Yet, we were basically throwing money away on late fees. We got tired of it, and came up with a plan to … Read the rest