Why YNAB is better than sliced bread


This is updated as of 1/6/2023. Caveat:  There are some affiliate links in this post.  I may receive cash benefit or discount for recommending products.  However, I will only post about products I think are worth it. Why YNAB is better than sliced bread! It was 2014 and I was searching for budget software and small business accounting software. Why you may ask?   I was not a fan of Quicken, and Quickbooks.  Both had their limits and huge learning curves and a high cost. I had several bad experiences trying to upgrade from one version of Quicken to another [...]

Why YNAB is better than sliced bread2023-01-07T03:44:32+00:00

7 Pros and Cons for buying a New Car and getting a Car Loan


7 Pros and Cons for getting a new car and car loan Is it worth it to purchase a New car and get a new car loan? Currently, automotive manufacturers and dealers are trying to sell new cars with lots of incentives, including 0% interest rate, cash back, delayed payments and more. Some are even offering 7 years or more loans. Does having a 7 year car loan make sense for your budget?   Let’s dig into it all. My husband and I have had several used car loans over the years and never have we seen 0% interest and deferred [...]

7 Pros and Cons for buying a New Car and getting a Car Loan2023-01-06T03:09:21+00:00

Bread Maker Challah Braided Bread Recipe


Yummy Challah Braided Bread made in the Bread Maker This is a super easy recipe to do it in the bread maker. It does take some time but it is easy since the bread maker does the hard work. Give it a try and let me know how it goes. It is a great recipe for any holiday event. Bread Machine Challah Braided Bread This is my version of an adapted bread machine cookbook recipe that I have been using since 2004. It is a family favorite! 2 egg Eggs (Room Temperature)1 1/2 cups Warm water (To make [...]

Bread Maker Challah Braided Bread Recipe2020-11-25T23:50:53+00:00

Thanksgiving Dinner for less than $35


This is how we spend under $35 for our Thanksgiving Dinner! There are a lot of ways to make a Thanksgiving Dinner for less than $35. Here is what we do and I will also include some other cost saving ways to get it even less. Our favorite foods for Thanksgiving! Menu Roasted Brined Turkey Stuffing Broccoli casserole Mashed potatoes Gravy Homemade Bread Homemade cranberry sauce Apple Pie Free printable I created this handy .pdf printable of our menu.  You are welcome to print it out. As a bonus I also created a blank version of the .pdf printable so [...]

Thanksgiving Dinner for less than $352020-11-19T22:51:33+00:00

The 10 Best Budgeting Tips for the Holidays


Updated for 2020! 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. 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. Unfortunately, due to COVID we will be doing these events socially distant or online using Zoom or Google [...]

The 10 Best Budgeting Tips for the Holidays2020-10-16T18:14:29+00:00

Home Balancing Act


Home Balancing Act This is a tough time for parents and kids of all ages and it is a home balancing act. We have all been stuck at home for months doing our part to minimize the spread of the Coronavirus. Our family has limited our outings to a couple stores and only when we need something. We are so blessed we work in the positions that we do. I work at home and do all of my calls via Zoom or Google Meet and I also take care of the kids. While my husband works in an office [...]

Home Balancing Act2020-08-26T21:12:34+00:00

Virginia Tax Free Weekend and Maryland Tax Free Week 2020


Virginia Tax Free Weekend and Maryland Tax Free Week 2020 If you live in the DC Metro area this is a good time to look at the tax free weekend in Virginia and tax free week in Maryland. Virginia starts Friday, August 7 and ends Sunday, August, 9, 2020.  Maryland is for a the week of August 9 - 15, both are offering tax free for clothing and shoes. While Virginia offers school supplies, energy efficient appliances as well as hurricane relief and emergency supplies during the same weekend. There is sure to be something that is good to purchase [...]

Virginia Tax Free Weekend and Maryland Tax Free Week 20202020-08-07T02:36:32+00:00

Steps you should take when you get a medical bill


Medical bills in my mind are some of the most stressful bills to get in the mail.  It can be daunting when a medical bill arrives in the mail.  I’ve written up steps  you should take when you get a medical bill.   When I get a medical bill thoughts that came to my mind include: Is it correct? Do I pay it or does my insurance? Am I responsible for the whole amount? Can I negotiate it down? Has my insurance already paid this? Can I ask my insurance to pay me back? What questions do you have? [...]

Steps you should take when you get a medical bill2020-06-18T19:14:45+00:00

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


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
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