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New Jord Watch Just in Time for Spring – Contest and E Gift Code for You!

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You all know I have a weird relationship with materialism.  I prefer cruises, travel, and experiences over buying new clothes, shoes, and stuff, BUT I do have my materialistic favorites. I have had the same day-to-day leather jacket since I was 13 years old (yes, the cuffs are unraveling)…that’s more than 20 years in the same jacket.    Anybody who has met me in cool weather has probably seen my extremely-loved panda hat.  I also spend way too much on Dream Fit sheets every few years.  And I think Jord watches are an awesome wrist accessory.  I mean, they’re all wood and totally cool! That said, I jumped at the chance to review the new men’s watch, specifically the Conway Series: Kosso and Midnight Blue, for my husband. Jord did not let me down with their Wooden Wristwatch The Jord Conway Series We were excited to open the box as soon as we returned from our cruise.  The shipping box was well packaged and labeled “Fragile”. The Jord watch box itself was classy and solid.  It protected the watch perfectly and even has a little drawer for extra links, the wood revitalizer they included, and a jewelry cloth. The unique watch itself looks … Read more…

How I Paid Off $20,000 of Debt and Quit My Job In 7 Months

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Debt Payoff Story | Quit My Job | Financial Makeover

Today’s post is from writer and commenter here on BFS, Kate (Mrs. COD).  She is passionate about helping people make smarter decisions with money in order to be able to spend money on what really matters to them. Thanks to slaying her debt demons, she’s now able to stay at home raising her two rambunctious little boys. Kate blogs about lifelong habit changes and “finangelism” at Changing Our Default, which she started early in 2016. Part One:  Getting Into Debt If you’ve ever tuned in to a Dave Ramsey radio show, you know how often he disparages a normal life. “Normal” to him means putting spontaneous purchases on a credit card, taking out enormous student loans, buying cars you can’t afford, and rationalizing every single stupid financial decision you make day after day. Let’s put the cards out on the table: I used to be that kind of normal. I went to the fancy private college and took out fancy private student loans. I didn’t rush to pay them back once my degree was finished either. My expected term of repayment was 20 years!  I cringe just thinking about it! My brother actually gave me his old car (no strings attached!) when I graduated … Read more…

6+ Free Family Activities for Summer Fun

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6 Free Family Activities for Summer | Things to do with Kids | Children's Activities | Frugal Entertainment | Free Things to Do

Mr. And Mrs. Beatles blog about their frugal life at Stacking Pennies. They recently began their journey towards frugality and write about different things they learn on their way to a debt free lifestyle. In the Beatles household, family activities are what we look most forward to in the Summer. We believe that frugal families tend to be closer and stronger than their counterparts because rather than paying someone else to entertain them, they find entertainment together and within each other. This creates special bonding moments! While entertainment costs have gotten out of control (have you seen the price of a movie ticket and popcorn lately?), there are plenty of other ways of having fun without paying a dime; these are cost-free activities that anyone can do with their families. Let’s look at some family activities that don’t require you to open your purse or wallet: Visit the beach (or water near you) Beaches are a ton of fun and make no impact on the budget!  You can collect shells, swim, build sand castles, feed the seagulls, fly a kite without getting it caught in a power line, etc.  Jazz it up with a pitcher of homemade lemonade and sandwiches. If there’s no … Read more…

How to Start Saving For Retirement

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For many people, saving for retirement is a daunting prospect. However, there is no need to despair. Saving becomes easier as you develop the proper habits. Saving for retirement is something you won’t regret: what you decide today will greatly impact your quality of life after retirement. You may feel like your current budget can’t accommodate retirement savings, but small financial sacrifices can help. You may find saving easier than you first anticipated. Here are few simple steps to get you started: 1.  Start assessing your spending habits You need a reality check: start by recording your monthly expenditure. Keep a running total of everything you buy, from TVs to takeaways. You may soon discover that you are wasting money on items you don’t actually need. You might be able to create some breathing room in your budget by analyzing your spending habits. In fact, your monthly satellite TV subscription likely costs more than most minimum monthly unit trust investment or retirement annuity contributions. Numerous financial service companies offer investment minimums of less than $50/month. 2.  Formulate a budget You should draw up a budget once you have a handle on your spending habits and potential cutbacks. This helps you … Read more…

Credit Poor Advice: Why You Should Apply for a Bad Credit Loan in 2017

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It is not surprising that the amount of bad payers has risen dramatically in the last two years. The economic crisis has left many families in debt, and unemployment rate has been skyrocketing. Instability of income and financial difficulties left many with poor credit history. Consumers with a poor credit usually find it difficult to borrow any money; lenders perceive their situation as a possible risk.  No matter what your circumstances are, you need not to give up hope. Many have been in your exact situation and managed to get their life and financial status back on track. There are many options to mitigate your bad credit rating, and the most feasible would be applying for a bad credit loan. We often come across clients who apply for bad credit loans from CreditPoor, and, along with proper financial guidance, they manage to improve their situation sooner than they had expected. –      What is a Bad Credit Loan? Simply, bad credit loans are a type of loans designed for people who are considered to have a poor credit history. Most people with a limited credit history are not eligible for a traditional loan, as borrowers lack the information to assess the … Read more…

A Healing Cruise – I’m Feeling Like Me Again

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Taking a Cruise for Self Care | Vacation | De-stress | Mental Health

I’m back from another cruise escape and I’m finally feeling like me again! Yesterday, I woke up happy, had a productive day with pet sitting and my online work, hung out with a few friends for several hours each, and was still chugging away at 4am.  I’m nearly caught up with everything from last week…so now I’m only as behind as I was before we left!  😉 I haven’t been able to go this long on 5-6 hours of sleep in more than a year.  I won’t make a habit of it, but I had almost forgotten what energy felt like.  Grief and depression are real bitches. Our Recent Cruise We sailed out on the Carnival Breeze from February 5-12, 2017.  It stopped in Jamaica, the Grand Caymans, and Cozumel, Mexico.  We got off in every port for just a little souvenir browsing, but mainly, we spent the entire cruise relaxing. Our days were spent watching movies, playing 2 person board games like Patchwork and Jaipur, playing “Burger Shop” on our tablets, lounging in the adult-only, Serenity section of the ship in huge chairs, eating Guy’s Burgers (and anything else we felt like munching on), and just enjoying having no … Read more…

The Luxury of Minimalism

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Minimalism with Kids | Toy Minimalist | Staying Sane as a Parent | Minimalism is a Luxury

I’m away from the online world this week, so here’s an awesome post from Revanche at A Gai Shan Life.  She and I have only met in real person once so far, but I consider her one of my closest friends.  If you don’t already read her blog, open it right now in another tab and check it out after you’re done here.  Revanche lives in constant pain, she lives supporting others, she lives for her family and friends…key word here…she LIVES.  And she’s been blogging about it all in heart-wrenching and uplifting detail for more than 10 years. Our Spring Culling I maintain a strict policy on JuggerBaby’s (JB’s) toys. I refuse to break my neck in an unintentionally hilarious pratfall dancing over the seemingly inevitable mountains of two-year-old appropriate possessions. The one challenge to this rule is one that I can’t, in good conscience, say no to. We see my aunt twice a year and without fail, she has a pile of used toys, books, and clothes, carefully cleaned and curated for JB’s health and education. She’s not wealthy, she’s the self-described “poorest of the whole family”, so she’s gotten good at rescuing abandoned things at the church and … Read more…