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You Can Comment Again :-)

You may have noticed some issues with BFS over the last 2 days – the server has been going down on and off.  It should be back up and stable now.  That means that if you were getting error messages when you tried to comment, it should be good to go now.  :-)  Sorry for the inconvenience!!!

Have a Personal Blog? Want to Guest Post? Need Them by Friday Night!

Hi everybody!  I’m going to be on a cruise from Saturday through next Thursday (woot!), and I’ve only had one guest post submission so far.  Help!

Guest Bloggers Please!

If you have a blog, a personal blog that isn’t spammy or all commercial, please send over a personal story for a guest post!  Here are the very general guidelines that may help:

1)  Be a Blogger or a Reader – If you are a fellow blogger or reader, please continue reading the remaining points, thanks!  If you are a guest posting on behalf of a business site (any site whose main purpose is to sell a product or service), email me since we’ll need to discuss a different set of requirements.

2) Any financial or fun topic – This is a very eclectic site.  The more personal, the more responses you will get though.

3)  Original content – All guest posts need to be written by you and not previously published at any other site.  Once it posts at BFS, please wait at least 3 months before publishing it on your own site, thanks!  Neither one of us wants to get dinged for duplicate content issues, right?

4) Edited – I do not mind doing minor edits but if a post has too many problems, I do not have the time to do it, sorry.  :-(

5) Minimal links – I will gladly link to your site in the intro (in fact, include your own 2-3 sentence intro with your link please!), but please keep other links to a minimum in the actual post unless they are truly useful to the readers.  I don’t mind useful links, but I am not your personal link warehouse.  :-)

6) Participate – I will tell you exactly when your post is scheduled to go up, so please check in to answer reader questions and comments at least once at the end of that day.  It’s more fun for everyone that way, right?  :-)

I appreciate everyone’s participation!  Please email all guests posts or ideas to budgetingfunstuff *at* gmail *dot* com.  Thanks!!!

*Image from

Hey Whiners, Bite Me!

There is a theme in the comments of the Yahoo article that covered our mortgage payoff story (for our first house, not our current one).  You can actually read my payoff story in my own words here.  Long story short, we bought a house in April 2007, paid it off in April 2013, and did it mainly by paying $160 more than necessary every month.  That would have had us paying it off in 10 years.  We shaved off an additional 4 years by throwing additional principal payments onto it when I started making more online.

Mainly, with Yahoo’s post, there are whiners and normal people in the comment section.  Let me be clear, whining is great.  I love to do it.  But lashing out at others because of what you have stuck in your whiny brain is stupid.

Here are my responses to all of the whiners that I am sharing here because I love my readers and think my I-really-want-to-say-it responses will make you laugh or at least agree.

But We Don’t All Make $120,000 a Year

Then work on increasing your income!  Or shut up.  My business didn’t magically appear.  I worked my butt off to create it, grow it, and to keep it going!  Don’t want to work that hard?  Then don’t.  I don’t care what you earn, and you don’t have to either, but that means you can keep your mouth shut when someone else succeeds.

We Can’t Buy a Good $114,000 House Where We Live

Then move.  Or shut up.  Yeah, I live near Houston, TX and homes are cheaper here than along the coasts.  But you can either move, make more wherever you live, or suck up the fact that you choose to pay more.  We have to deal with hurricanes and crappy summers.  You have to deal with coastal views and crappy prices.  Whaaaaaaaaaa.  It’s a choice – a really hard one, granted, but a choice none-the-less.

I’m Not Married

So get married.  Or get a second job.  Or shut up.  Sensing a theme?

I didn’t say you had to be married.  And I didn’t get married just to buy a house.  It’s my situation.  Deal with your own situation.

I’m Not Listening Because You Don’t Have Kids

Damn skippy.  It’s by choice.  And if I decide to have kids, that’s our choice too.  I know kids are expensive, but I also know people who have kids and have paid off their home too.  Kids are not an excuse.  They are a prioritized expense.  If you have kids and want to pay off a loan faster, cut something else out of your budget.  It’s not rocket science – it’s budgeting.

I Don’t Want to Rent Out a Spare Bedroom to an Ax Murderer

Then don’t.  We have rented to 4 friends and 2 strangers.  It wasn’t necessary in paying off our mortgage – I just liked the extra income.  Overall, we brought in about $9000 over the 6 years we owned the other house.  Maybe $11,000 if I am forgetting a few months.  That was not how we paid off a $92,000 mortgage in 6 years.  It was just a way of making extra money that Yahoo wanted to include.  Bite me.

Paying Off Your House Loses Your Interest Deduction

This is stupid or ignorant.  First, you must be assuming that the standard deduction wasn’t higher than itemizing (which is was, so we never itemized the first house’s interest).  Then you seem to assume that making back your tax bracket’s worth of interest is better than paying no more interest at all.  NO.  BAD HOMEOWNER.  No interest is way better than a 15%-33% discount off of interest.

You Must Have Lived Like Homeless People

Nope, we live quite nicely, thank you.  We splurge like everyone else, but we don’t splurge on absolutely everything else.  It’s called prioritization – look into it.  If you rather pay off a loan than smoke, give up smoking.  We splurge on food and services, but we don’t buy absolutely everything we want.  “You can afford anything, but you can’t afford everything.”

Your House Must Suck

Nope.  It’s a good house.  Built in 2004 and here’s a picture.  Bite me.

Our First House

It is a cute home. 3 bedroom, 2 1/2 baths, 1750 square feet. Nice neighborhood.


Financial Blogger Conference 2013 Flash Sale!!!

Did you want to attend the Financial Blogger Conference this year but missed the initial sale?  Here’s your opportunity again!  Just click here for this flash sale!!!

Why should you go?  Just check out my two complete breakdowns of the last two!!!  Here is the one from FinCon11, and here is the other of FinCon12.  I literally wrote out everything I could remember about each event and included pics to boot.

Here are two bits of important info:

1.   2-day flash sale reverts back to earlier discounted price of $179.  Please use any of the links in this post or the banner below if you are interested.
2. The flash sale runs from today (Thursday) through Friday: August 22nd 8am CT to August 23rd at 11:55pm CT.

FinCon '13 Flash Sale


Supporting the Making Sense of Cents Giveaway!!!

Quick post!  I am one of the supporters of the HUGE Making Sense of Cents Anniversary Giveaway!!!  See below and sign up!!!


First place – iPad Mini WIFI 16 GB (
Second place – $150 cash
Third place – $100 cash

General Info

  • Open Worldwide.
  • If the winner of the iPad Mini prefers cash, then cash value for the iPad will be given instead.
  • Paid via PayPal
  • All entries in the Rafflecopter are optional
  • Ends August 28!

a Rafflecopter giveaway

Salt Lake City Couch Surfing (Maybe) and the Plutus Awards

Hi!  Today’s post is a combined one since there are two short things that I wanted to cover.  :-)

Live In or Near Salt Lake City?

The first thing is that I may have a few days to kill sometime between September 19-24 in or around Salt Lake City, Utah.  My original plan was to visit a blogging buddy, so I already bought a $257 non-refundable plane ticket.  But he got an offer he just can’t refuse from overseas (I wouldn’t have turned it down either), so now he most likely won’t actually be in the country while I’m visiting.  Sad face for me but I’m glad he is trying to take the opportunity when it knocks.

I am planning to spend a day or two with his wife and kids during that span, but I rather not put her out the whole time.  She’s a pregnant introvert with 3 young children already.  And she doesn’t know me really well yet.  So she probably doesn’t know that I cuss like a small, red-headed sailor…although she does know I am the complete opposite of an introvert, lol.  I think my presence the whole time would drive her batty.

But she’s also a sweety that would not tell me, so I am just looking for couch surfing opportunities as a backup plan.  I also have to put it out there since I would be staying the night – I am allergic to cats and smoke.  Like need-an-inhaler-and-maybe-something-stronger allergic.  Stupid asthma.  But for some reason, dogs aren’t my kryptonite too…I will never understand.

Plutus Awards Nominations

The second thing is that the Plutus Awards Nominations have started once again.  :-)  I’d be super grateful, as would all of your other favorite bloggers, if you would click here and fill out your nominations.  :-D

I think could possibly work in the following categories:

  • Best Kept Secret (not sure what defines a secret, but there at least millions of people that could be tuning in that aren’t, lol)
  • Humorous
  • Blog of the Year (okay, so maybe that’s stretching it a bit, but you love me, right?)  :-D

Anyway, even if BFS isn’t on your list of nominations, your favorite bloggers would appreciate the mention!  :-)

BFS for Humorous Blog


So let me know if you are in or near Salt Lake City and thanks in advance for your Plutus Awards nomination!  ;-)

Host Gator Exclusive 30% Off Code for July 2013 from BFS

Hi!  About a month ago, I wrote a full post on why I support Host Gator – Host Gator – My History and Recommendation.  Just a super quick FYI, they were able to assign me an exclusive 30% off code for you to use in July 2013 at checkout:

Checkout Code:  BFS30OFFJULY13

So if you were in the market for hosting anyway, hope this helps!  You can also get to Host Gator through my affiliate link:, but the code should work no matter how you get there.  Good luck!