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Tuesday, January 1, 2021
From I've Paid For This Twice Already - view blog entries - visit this blog
January 1, 2021 at 5:15 am ET
As I said in my earlier posts referencing our holiday trip, the whole experience was a complete budgeting failure. I did one of the cardinal sins of budgeting - I basically just decided on a random number because it sounded good without really digging into what the trip has cost in the past, and [...] ... (more)

Monday, December 31, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 31, 2020 at 3:06 pm ET
Last month, I got a notice that our mortgage payment was going up because our property taxes last year were higher than expected. Well, when we got home from our vacation, sitting in our mailbox was a check from the county auditor for several hundred dollars in property tax refunds. Apparently our state [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 31, 2020 at 5:38 am ET
When we left for our trip to visit relatives the Friday morning before last, I pulled into the local ATM and withdrew some cash to buy food and pay tolls on both the trip out and the trip back, and then we went over to the local gas station to top off my tank (it [...] ... (more)

Sunday, December 30, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 30, 2020 at 4:42 pm ET
Well, we are back! We got back late last night, and it will take me a few days to get back into the swing of things, but the blog will go on. I have lots to share financially from our trip (two words: budget failure) and also just a lot [...] ... (more)

Saturday, December 29, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 29, 2020 at 9:02 am ET
When I started this blog, I didn’t know much about the personal finance information that was out there. Because I didn’t know much, I mistakenly assumed the little I did know must be common knowledge, and acted as such. But after several questions about “snowflaking” from visitors, readers, and commenters, I realized that [...] ... (more)

Friday, December 28, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 28, 2020 at 5:25 am ET
Today’s guest post is from Mrs. Micah: Finance for a Freelance Life. Mrs. Micah is a very frequent commenter here… and every other personal finance blog I have come across it seems. Her youthful and boundless energy is inspiring. Why don’t you check out her feed and see for yourself? [...] ... (more)

Thursday, December 27, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 27, 2020 at 5:05 am ET
This is a guest post from Lynnae at beingfrugal.net who blogs about similar things to what I do - her family’s journey out of credit card and student loan debt. She’s had some setbacks but she perseveres through with her cheerful outlook and plans for the future. Give her feed a try for [...] ... (more)

Wednesday, December 26, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 26, 2020 at 5:28 am ET
Today’s guest post is from Green Panda Treehouse, a soon to be college graduate’s financial journey. If you like the post, why don’t you subscribe to her feed as well? Many working college students get jobs that fit their unique schedules. Many times these jobs are minimum wage jobs in the retail and service industries. [...] ... (more)

Tuesday, December 25, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 25, 2020 at 6:28 am ET
I haven’t used credit to pay for Christmas in a long long time. In fact, I’ve kind of blocked out what exactly I used my credit card for back when I was using it, so I am not sure that any Christmas presents ever got charged (although I am guessing some did). But [...] ... (more)

Monday, December 24, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 24, 2020 at 5:59 am ET
Yes, we’re in debt. We’re getting out of debt, but we’re nowhere near there yet. With one exception (our car loan), all of our debts have much higher interest than our savings accounts earn. And yet, I am still saving a modest amount of money each month in two special accounts. [...] ... (more)

Sunday, December 23, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 23, 2020 at 9:07 am ET
We are off on vacation, so I haven’t had a chance to read many posts on other blogs this past week. But I wanted to take this time to point out two really cool things going on: First, Mrs Micah: Finance for a Freelance Life wrote a post asking for your input on best [...] ... (more)

Saturday, December 22, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 22, 2020 at 9:36 am ET
With being sick, a sick husband, and two sick kids this week, I didn’t get a chance to review the carnivals like I normally do and pick out posts that I especially related to. But I wanted to thank all of the carnival hosts for their hard work and dedication in putting them together [...] ... (more)

Friday, December 21, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 21, 2020 at 5:59 am ET
This is a guest post from Emily at Remodeling This Life, who blogs about her family’s journey through frugality and investing to make their dream house a reality.  If you are interested in insightful and honest posts about one family’s journey, why don’t you subscribe to her feed? I have been living a credit card free [...] ... (more)

Thursday, December 20, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 20, 2020 at 7:28 pm ET
Things have gotten a little out of order in my Personal Choices series, but that’s okay - the order I assigned them originally was random anyway. Today at the No Credit Needed Network site, my personal choice #4, Interest Order vs Balance Order and the Root of Motivation, is a guest post! [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 20, 2020 at 2:43 pm ET
So the big news this week is that by the next edition of Tell All Tuesday on the 31st (next week’s will be preempted by Christmas), we may have the credit card debt under $1000. We should have the credit card debt under $1000 if our trip spending goes as planned and the pending [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 20, 2020 at 5:56 am ET
My spouse and I live a significant distance away from our respective families. Luckily for us however, our families both live rather close to each other (about 30 minutes apart) so over the Christmas holiday every year we take an extended vacation and visit both his parents and my parents. Tomorrow morning [...] ... (more)

Wednesday, December 19, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 19, 2020 at 6:01 am ET
Last week I talked about how we came to the decision to have a $1000 emergency fund while concentrating on debt reduction. Another choice we’ve made that has caused some alternative opinions is the use of our 0% credit card offer and how we are paying it off. We practice what might be termed the [...] ... (more)

Tuesday, December 18, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 18, 2020 at 5:30 am ET
When I was a teenager and a young adult, I set my financial goal pretty low, or so I thought. My goal as an adult was to have enough money so that I could do small things each month without worrying about running out of money. Not extravagant things - I honestly have [...] ... (more)

Monday, December 17, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 17, 2020 at 11:22 am ET
If you are visiting from the Carnival of Personal Finance or the Carnival of Debt Reduction, welcome!  I was excited to be editors picks in both carnivals this week and invite you to check out my most recent posts by scrolling down the page or my most popular posts in the right sidebar.  Feel free [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 17, 2020 at 5:51 am ET
Now that 2007 is almost complete, it is time to look ahead to 2008. Last week I looked at our original 2007 and 2008 midterm debt reduction goals and found that we’ve met our 2007 goals and the original 2008 goals are more than feasible, so it is time to reevaluate our [...] ... (more)

Sunday, December 16, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 16, 2020 at 9:52 am ET
My son is sick and we’ve had little sleep and lots of cleanup, so I’ll keep this short and sweet! The twelve days of Christmas are making their way through the personal finance blogosphere - here’s the project so far: Being Frugal: The Best Way to Manage Money Credit Withdrawal: Two Guaranteed Ways to Financial Freedom DebtFREE-Revolution: Three [...] ... (more)

Saturday, December 15, 2020
Shopping Queen (7 clicks)
From I've Paid For This Twice Already - view blog entries - visit this blog
December 15, 2020 at 7:03 pm ET
There are dancing queens and then there are shopping queens. Today, I am a shopping queen. All told, I spent $223.73 today. Thankfully, not even half of that was on groceries. I had Christmas shopping to finish, boots to buy for my son, a case of diapers for each kid [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 15, 2020 at 9:24 am ET
At the bottom of each of my posts, there is a little tagline that says “If you enjoyed this post, make sure you subscribe to my RSS feed!” And many of you have, approaching 600 of you now. But there are still a lot of people who don’t know what RSS is and [...] ... (more)

Friday, December 14, 2020
From I've Paid For This Twice Already - view blog entries - visit this blog
December 14, 2020 at 3:03 pm ET
I have to thank Punny Money for this one. Nick wrote a humorous piece about shopping at CVS and credited My Good Cents with inspiring his shopping frenzy. In the piece, he mentioned a $5 off Energizer batteries coupon on the CVS site. I strolled over to My Good Cents and [...] ... (more)

From I've Paid For This Twice Already - view blog entries - visit this blog
December 14, 2020 at 5:20 am ET
Welcome to I’ve Paid For This Twice Already… where frugality and careful money management is helping us get out of significant debt one penny at a time. As part of the 12 Days of Christmas - Personal Finance Style project, I bring you my contribution of the golden variety. No, not five golden [...] ... (more)

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