7 Smart Tips To Spend Less So You Can Live More

When Andy and I decided to become debt free I got excited, then depressed, then excited again. You see, I was excited about the fact that we were going to change our family tree, vacation a lot and do all these things we were dreaming up. However, I also knew that if we were going to realize these dreams, we had some very tight years ahead. Ultimately, I decided the short term-loss would be worth the long-term gain and I started figuring out ways to start spending less.

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Create Your Budget on Mint in 10 Simple Steps

If you want to improve your financial situation, you need to develop and live on a budget. By doing this, you are creating a detailed map that will guide you to financial freedom.

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Budget Your Way to Financial Freedom in 5 Steps

When my wife Nicole and I started our marriage, we were $50,000 in debt and spending money like it was our full-time job.  I, for one, had no issue going on vacations, driving cars and updating our home all on credit.

When we started thinking about having kids, Nicole and I knew it was time to break our addiction to debt.  We knew we needed a plan to master our money.

We had heard that developing a monthly budget could help us in eliminating debt, saving more money and reaching our goals.  So, we gave it a go.  It was rocky at first, but soon it became habit.

Fast forward six years later, we’re debt-free, our net worth has increased by $800,000 and we are mortgage free. We’ve never been happier.   

The catalyst for this major change in our lives was creating and sticking to a monthly budget.   

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How to Retire at 35 – with Steve Adcock

How would you like to retire at the age of 35?  Sounds impossible, right? Well, our guest today, Steve Adcock, figured out how to do it.

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Freedom Through Minimalism – with Claudia and Garrett Pennington

We work hard.  We earn money.   We buy stuff.

Then, that stuff requires repair, maintenance and software updates. Before you know it, your stuff is out of style.  You’re on version 3 when the rest of the world is on version 7.

We work harder.  We earn more money.  We buy more stuff.

Are we in control of our things or are our things in control of us?

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Make Money on Airbnb – with Victor Mangona

About a month ago, my wife Nicole and I were at a wedding for one of our good friends.  At our table, I struck up a conversation with a random guy named Victor Mangona.  I discovered that Victor and his wife Kate are both doctors and they live in a swanky part of Dallas called Highland Park.  Victor and I got to chatting about their adventures in real estate investing as their new side business.

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5 Reasons to Choose a 15-Year Mortgage

3 years ago, Nicole and I moved into our forever house.  It was love at first sight.

Compared to our previous 1,100 square foot bungalow, this new tri-level home had a bigger yard, an open floor plan and neighbors that became instant friends of ours.

When it came time to choosing the mortgage, we didn’t want our dream home to turn into a nightmare.

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My Credit Card Makes Me Happy

One random day five years ago, I was eating lunch at home and messing around on this new thing called an “iPad”.

Because I’m a money nerd, I went to the iTunes store, searched for personal finance and I found Dave Ramsey’s app.  Before that $5 footlong lunch, I knew nothing about Dave Ramsey.  By the time I finished my meal, I was absolutely hooked on his brand of no-nonsense debt elimination advice.

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