My Biggest Debt Payoff Mistakes

Before success frequently comes failure.  Frequently, in fact, before success comes many failures, as in Edison’s oft-quoted 1,000 failed attempts at inventing the lightbulb. If you are anywhere on the journey of paying off debt, know that you learn from each and every mistake.  Oddly, failing is good news – growing, and changing, requires failing…

Our New Scuba & Sailing Decor – To Inspire Our Journey

Wind.  Waves.  Crusty salt on my skin.  It’s been way too long, lately; I haven’t been in the ocean since our wedding in August.  And sometimes, that means my motivation runs low.  Let’s be real – the weather, even here in Florida, hasn’t really been conducive to scuba diving. Last week, I wrote a post…

Inspire Your Debt Payoff Journey – With Decor?

This week, I can feel the saltwater drying on my skin every day after I head in from scuba diving.  I can see the bottom from my perch on the tip of the bow, looking for fish (and sharks!) as we sail.  We’re getting closer to the goal, and I’m starting to be able to feel it…

Should I Take a 401(k) Loan to Pay Off My Credit Card?

You’ve found yourself in the situation where you have enough in your retirement account to pay off your credit card balance.  If that retirement account happens to be a 401(k), you may have the option to take a loan against the balance, instead of making a withdrawal. With a withdrawal, you’re going to owe taxes,…

Is Your Budget Lying About Your Values?

One of my first conversations with Don this morning went like this: Don: Honey, I need a refrigerator in the shed. Me: Why? Don: Because I want to have cold drinks out there, so I need a fridge. Now, his shed/workshop is a 12 x 30′ shed with power, lights, and air conditioning.  It’s also…

My Own “Don’t Try This at Home” List

This post is inspired by Steve over at ThinkSaveRetire, whose post listing ways he “Won’t be a Dumbass” in 2018 just landed in my inbox. I don’t typically do New Year’s Resolutions either; while there are absolutely things I want to achieve each year, they’re rarely oriented around January 1st.  So, let’s start with a retrospective…