Paying off debt is a marathon, not a race. This is something I have to constantly remind myself of. I’ve gotten to a point where I absolutely can’t stand that fact that we are debt. Well, nobody likes to be in debt, but for me, it’s like that itch you can’t scratch. I just want to get it over with, yet we still have so far to go. We ended the year 2015 on a high note paying off over $29,000 in debt. We wrote the vision and put it out into the atmosphere that our goal for 2016…

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  Before my husband and I could begin to reform our financial situation we first had to give up. That sounds kind of contradictory, but we had to give up in order to get ahead. It’s actually how a lot of things work in life. To lose weight you have to give up eating foods that aren’t good for you. To become better at something you have to give up your time to practice. In order for us to get out of debt we had to give up the I earned it complex.  As a result, of the “I earned”…

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  Let me be honest from the start the word budget is not a word that is liked. Whenever I bring up budgeting around friends and family I can immediately feel the shift in the atmosphere. No one likes to talk about their money, let alone have someone or something tell them what to do with the money that they worked so hard to obtain. Let’s get real here budgets get a bad rap. They’re really nothing but rules that you’ve come up with concerning your money.  They’re like traffic laws or the safety guidelines that we follow at work. They are…

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A couple of years ago when Facebook first started and it was exclusive to college students myself and a group of friends started a group called “The 700 Club”. We all had one goal in mind, doing whatever it took to get our credit scores above 700 and having developing healthy money habits to help them it there. Well, if that endeavour had of been a success I wouldn’t be writing this post right now. Yep, I failed. On March 25th, 2015 when I was just starting Broke on Purpose I decided to check my credit score and pull my…

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We all know the expression that “it’s better to give than to receive”, but lending money to family and friends can be a touchy subject. Loaning money to family members is a common practice in many households. The big question is whether or not it’s a smart practice. If you’re a natural giver like my husband is, you probably find that you’re more prone to sacrifice your own comfort to help others out. While this is certainly not a bad attribute to possess, it can easily cause you to get off the track of the plan that you’re working to get…

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