Lessons Learned At 30 Weeks Pregnant With Twins

We gave quite a bit of thought into whether we should add to our family again, with three fairly young children already.  One of the reasons why we decided to “go for it” was the fact that my previous pregnancies have been fairly uneventful.  I worked full-time until the very end and gave birth to big, healthy babies that came home with me two days later.  At 30 weeks pregnant with twins, I’ve learned quite a few lessons, including that you should never, ever assume you can predict the future.

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Should You Go Back To School For A Career Change?

The last few weeks of work have been really rough, even worse because I’ve now entered the third trimester of this twin pregnancy.  Before we decided to pursue early semi-retirement, I would usually start thinking about changing jobs or careers whenever work really stressed me out.  I enjoyed college, but as tempting as a change might be, we’re still paying off my loans from attending graduate school.  While making a career change with further education wasn’t a good decision for our financial situation, that doesn’t mean that others might be able to use that strategy to better their life and their future.  How do you decide whether going back to school for a career change is a good idea?

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They Picked The Wrong House: Our Recent Experience With A Salesman

The details of the phone call seemed a bit strange, but we were enticed by the promise of a gift card for the grocery store.  It didn’t take long to realize that we had been duped into subjecting ourselves to a sales presentation.  The “snake oil” was a water softening and purifying system, for which we were offered a “great deal” on a ten-year lease.  We’ve been purposely avoiding sales pitches for the past few years due to our mission to fix our finances, so  this experience was actually somewhat, um, interesting.

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The Better Way To Track Finances In 2017

I am so proud of the way that we are destroying our debt.  It is both rewarding and motivating to see how far we’ve come in just a few short years.  Tracking financial progress can provide an immense boost of resolve to continue, and even step up, our diligence.  That is why we’re trying something new in 2017, to keep better track of our finances.

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How Are We Going To Pay For College . . . With Five Kids?

Reactions to our news about expecting twins, when we already have three young kids, have been pretty interesting.  There is usually a bit of shock, followed by one or more of the following questions: (1) are you going to move, (2) are you going to buy a new vehicle, and (3) how are you going to pay for college with such a large family?  The twins were a surprise, but whether we ended up with four or five children, it would still cost hundreds of thousands of dollars to take on the entire cost of a college education.  We have a plan, consistent with our new financial priorities and definition of success, for how our children will be able to attend college.  And, it doesn’t involve any type of regular contribution to investment accounts.

 

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Milestones & Aspirations: Our Goals For 2017



January is all about making goals and getting motivated for an awesome new year.  It represents a chance to start fresh and focus on moving forward, instead of worrying about setbacks from the previous twelve months.  We all have tons of things that we would like to accomplish, but some things belong on a fill-the-bucket list, for some indefinite point in the future.  My plan for 2017 is to set a few specific goals, one for each quarter.  Then, we have a bunch of more-general, aspirational ideas for how to stay true to our top priorities throughout the year.

 

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New Year’s Reflections: Getting Back To The Why

This past week has brought me back to the beginning of our financial semi-independence journey.  Whereas short-term goals may help keep you focused, I find that the vision of achieving your long-term goals can light a fire.  The full picture may be somewhat unclear from this distance.  However, the confidence that something extraordinary is waiting for you in the future can provide all the motivation and drive you need to get through trying times.

 

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Financial Review Of 2016: Our Starting Point For A Better Year



Happy New Year everyone!  I hope that all of you made some great memories during the holidays.  2016 was a rough one for a lot people.  The hateful goodbye messages on social media were proof enough of that fact.  We faced many challenges of our own, but survived and came out ahead.  Now that there has been some time for relaxing and the countdown is over, we’re reflecting on our progress and how best to channel the lessons from another year into making the most out of the next one.

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The Price Of Christmas Memories

As we count down the last few days until Christmas, the world around us seems a flurry of holiday activity.  Everyone is finalizing preparations and checking things off their family to-do lists. We’re looking forward to a break from school and work that will start on Friday, but the hustle and bustle of Christmas has been going on for weeks now.  Holiday spending isn’t limited to presents under the tree, but festive activities as well.  Parents are filling every possible moment with holiday cheer for their children.  Instead of feeling guilty for not buying fifty dollar, First Class tickets for the Polar Express, I’ve been thinking about what Christmas memories will actually stay with my kids for years to come.

 

 

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Tips For Keeping Your Financial New Year’s Resolutions

This time of the year tends to make us reflective.  We look back and assess what we’ve done well and what we’d like to change as we move forward. The clean break of the New Year gives us a great opportunity to make new goals for our personal lives, careers, and our finances.  Out with the old and in with the new.  We always have the best intentions for our New Year’s resolutions, but very few people have kept their resolutions by the time summer rolls around.  If you’re one of the many who plan to include financial goals in their aspirations for the New Year, how do you stick to this type of resolution? 

 

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