At the beginning of this whole get out of debt thing I decided that I wasn’t going to do any balance transfers. If you think about it, Balance Transfers are exactly what they say they are, a transfer of a balance from one place to another. To me, they didn’t fit with our whole debt payoff plan. We were going to debt snowball this thing all the way until the very end. Then we got to our student loans, and it was time for us to be more “woke” about our situation. I’ve done three balance transfers pre Broke on…

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It’s officially my favorite time of the year! FALL! I love Fall for so many reasons, two being I’m not dying from the heat and humidity, and I also get to wear some my comfiest clothes! As you can see, I’m pretty easy to please. September was absolutely crazy for us. We had an amazing opportunity to share our story as well as two methods we used and are using to get of out debt on the Rachael Ray Show. I still want to pinch myself every time I think about it. At the beginning of the year, I wrote out…

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I love interacting with everyone on Facebook and Instagram,  especially in the Instagram stories. Sometimes people send questions concerning their situations or ask us for advice. Often times these questions are so good that I think “Man I wish I could answer this publicly”, but of course the question was asked in private for a reason and so we keep it that way.  Lately, I’ve seen a theme among the questions concerning how Marcus and I handle an emergency when it pops up. People want to know how we fit an emergency into our debt payoff plan. This is a…

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I love talking to people about how they budget and finding out what works for them and what doesn’t work for them. A while back I wrote a post about how budgeting isn’t one size fits all. There are so many different ways to budget and it’s important that you find a method that works best for you. We use a combination of a written budget, budgeting app, and money envelopes. We’ve talked about our budget here and there, so you guys kinda know mostly what we do, but I thought it’d be fun to give you a sneak peek…

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In some cases, it can be hard to get a significant other to fully come on board with a broke on purpose journey. It can be frustrating and off-putting that effort from half of the relationship is not being embraced by the other half . It shouldn’t be a surprise that Melody is full steam ahead on our Broke On Purpose journey and I’ve come up short with enthusiasm at times. It’s not that I’m against living broke on purpose, but when you see someone that is so excited about it, and so good at it most times the easiest…

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