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What to do if you don’t have an Emergency Fund?

2020-04-28T23:38:43+00:00

Note: Update April 2020, I wrote this article January 2019, in regards to the government shut-down.  We just have no idea when something bad can happen.  I am still in disbelief that we are going through this pandemic as of April 2020. What to do if you don’t have an Emergency Fund? Currently, in the US, the government had the longest shut-down in history and might start another one in the future.  Reading the news, many people are talking about the struggles that government employees (and in fact many Americans have) and that is that they are living paycheck to [...]

What to do if you don’t have an Emergency Fund?2020-04-28T23:38:43+00:00

Financial Resources during the Coronavirus Pandemic

2020-05-27T15:53:03+00:00

Here are some Financial Resources during the Coronavirus Pandemic of links, blogs, articles that can help you navigate this tough time. The best option is to call and let the company know immediately that you are having financial difficulties so they can help you. Credit Card Debt?  What should you do? Relief will NOT be provided automatically so you need to take action and ask for help if you need it. Credit Karma put together a good detailed article about each Credit Card companies that is offering some sort of options during this time and what to ask. Details on [...]

Financial Resources during the Coronavirus Pandemic2020-05-27T15:53:03+00:00

5 Positive Financial Habits that Wealthy People Do and So Should You!

2020-04-08T15:25:10+00:00

What are the top 5 positive money habits? Paying their bills on Time Wealthy People always pay their bills on time. It is so important to be aware of your bills and pay them on time.  Opening up your mail and email on a timely basis and making sure your bills are paid.  Now a days you can pay them automatically!  So you don't even have to think about the dues dates, however, you should still be aware of when they will go through.  Successful people know exactly their bills and when they are due.  Write them down and write [...]

5 Positive Financial Habits that Wealthy People Do and So Should You!2020-04-08T15:25:10+00:00

Mental Health Resources during Tough Times

2020-03-26T13:10:46+00:00

Mental Health Resources during Tough Times Don't forget to think about your Mental Health Most of the United States and other countries are doing self quarantines and school closing. We are spending more time indoors some with family and some alone. These are tough times and this is uncharted territory for most. I want to emphasis it is 100% okay to reach to a therapist and talk to someone about your feelings. Your feelings are real. In some cases, some employer benefit plans are currently offering these services free during the Coronavirus quarantine, so check with your insurance [...]

Mental Health Resources during Tough Times2020-03-26T13:10:46+00:00

How we had our Wedding on a $5000 budget

2020-01-29T13:59:12+00:00

Our Wedding Story This is how we planned a wedding on a $5000 budget. My husband, Tad, and I are college sweethearts from George Mason University. We got engaged our senior year in college. I was so excited to think about wedding plans.  We were 21 years old and hadn’t moved out of our parents house yet and needed to figure that out first. We enjoyed being engaged and focused on graduating college. In the meantime, I would drool over the wedding websites and magazines.  What can I say, I’m an American Girl. :)  We agreed then we wanted to [...]

How we had our Wedding on a $5000 budget2020-01-29T13:59:12+00:00

The 10 Best Budgeting Tips for the Holidays

2019-11-19T16:44:39+00:00

Budgeting for the holidays doesn’t have to be as tough as it may feel. Here are the 10 best budgeting tips for the Holidays that I have personally done myself and have learned from others over the years. Since it is right after Halloween this is the best time to start. The sooner the better.  Let's get started: Tip 1: Write it all down! I know this is super simple and you may roll your eyes but it is the truth. Getting organized is the best way to get started. Party Planning. Start thinking about the cost of it and [...]

The 10 Best Budgeting Tips for the Holidays2019-11-19T16:44:39+00:00

Financial Independence

2019-09-21T21:23:24+00:00

Disclosure: This post includes affiliate links. Thanks for supporting Microstuff.com. I guide families to gain financial confidence to take control of their lives and guide them towards financial independence.    What is financial independence? Financial independence means you have enough wealth and/or assets that generate income to cover all of your living expenses for the rest of your life.  It really means freedom to do what you want and to have enough wealth to live on without having to work. What do you mean?  “Have enough wealth to live on, without working?” Wealth is the money and/or assets that you [...]

Financial Independence2019-09-21T21:23:24+00:00

Don’t Overspend to Keep Up with Friends

2019-08-28T19:49:26+00:00

I came across the Credit Karma article about Millennials spend more because they are trying to keep up with their friends.  I had to write a blog post about it.  Credit Karma/Qualtrics study of 1,045 U.S. consumers.    Now, I will put in a caveat and say I’m not Millennial, based on defining a Millennial as someone between 18 and 34. If you consider me a Millennial I will take it as a compliment just like if you were going to card me for a drink, with a huge smile. I do have grey hair after-all. Just recently I came [...]

Don’t Overspend to Keep Up with Friends2019-08-28T19:49:26+00:00

Yummy Pulled Pork Recipe

2019-07-18T01:14:17+00:00

Pulled Pork Recipe My family and I love pulled pork. It just takes some time to make.  Be prepared to take a couple of days to make it. It is well worth it though! I'm not going to go on and on about it.  Here is the recipe.  Enjoy! Purchase a boneless pork shoulder.  The larger it is, the longer it will take to slow cook.  This is done in the oven at a low temperature for a very slow cook.  It is a great meal to make in the winter or fall when you don't mind using the oven [...]

Yummy Pulled Pork Recipe2019-07-18T01:14:17+00:00

You have to start at Step 1

2019-05-09T20:10:15+00:00

It was Christmas Eve. We had just finished watching Home Alone (as is a family tradition) and my son picked up a book about origami. He thought it was a great time to start origami at 9:00pm. He wanted to start on the expert level and was asking lots of questions. Neither my husband nor I know that much about origami, and the book stated that you should start with the easy ones first. We pointed out to my son that we needed to learn the beginning of the steps from the easy section. His reaction was upset and in [...]

You have to start at Step 12019-05-09T20:10:15+00:00