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Month: February 2016

The Best $7000 I Ever Spent

The Best $7000 I Ever Spent

This post is a bit of a personal one for me. In fact I wasn’t sure I was going to even admit it, but I figured I am about full financial transparency (well some things, not all at Mrs. ROB’s request). We were out with some friends a few weeks ago and we were talking about plastic surgery. Now no one at the table had gotten plastic surgery or anything, but they were speculating on what they would do? Tummy…

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Financial Tip Friday: Don’t Chase Investment Returns

Financial Tip Friday: Don’t Chase Investment Returns

So if you have been following the stock market, really for the past 9 months, you will have noticed a lot volatility. In fact, the stock market hasn’t achieved a new high mark since May of 2015, we have had to two corrections of 10%, and are potentially in a bear market. For the savvy investor this isn’t a time for fear, but really a time to look at this on the positive side of things. If you are continuing…

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Debt Is a Part of Life

Debt Is a Part of Life

I often struggle with a fundamental question that drives my financial future: Is Debt a Part of Life? It is a question that I struggle with. Even though I loathe debt and believe there is no such thing as good debt I often wonder if debt is a permanent part of life or at least it is a permanent part of life in your formidable working years. I mean think about it. The most common way to pay for a mortgage…

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Our Tax Report for 2015

Our Tax Report for 2015

Well it is that time of year again. We did our taxes and in fact I finished them last night. Here is the good news: We made more money last year. YAY! The bad news is that we still owe the government money. But it is certainly not as bad as last year. I called it downright mess. To recap last year we owed the government over $4500 in taxes. Part of the reason for this is because of the…

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Learning to Be Good Enough

Learning to Be Good Enough

One of the things that I think has plagued me throughout my life is the grass is greener syndrome. I think if I just make a little more money or if I work just a little harder than I will somehow be a better person, richer, live in a better house, a better neighborhood, have more friends, etc. But for the most part none of that is ever true. The more money you make often come with different kinds of…

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We Have a Fertility Plan

We Have a Fertility Plan

I think I could’ve posted this about a week or so ago, but just had so much to say in other posts. A couple of weeks ago I decided, with the full support of Mrs. ROB, to talk about our experience and journey with fertility issues. You can read the first post here. In that time, Mrs. ROB and me have met with our doctor and have devised a game plan for the next few months. Prior to developing the plan…

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January and June Our Worse Financial Months or a Teacher’s Personal Finance Dilemma

January and June Our Worse Financial Months or a Teacher’s Personal Finance Dilemma

Last month was a tough month for Mrs. ROB and me financially. In fact, like clockwork our two worse months of the year are January and June. And I suspect it is that way for a variety of teachers out there. The primary reason it is tough is because of income. Over the past few years I have been teaching overloads to supplement our income and get out of debt. During the months of January and June there is at…

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Financial Tip Friday: A Little Planning Goes a Long Way

Financial Tip Friday: A Little Planning Goes a Long Way

Recently, I have opined about the travails with our dishwasher. Today, we are supposed to get it installed, but I am not holding my breath. I am not happy about having to pay almost $1300 for the entire dishwasher and moving electricity and the like. However, I am not beside myself because I had put away a little money in an emergency fund ahead of time for these kinds of situations. Our emergency fund isn’t much, but it is enough…

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7 Surefire Savings Strategies to Follow in 2016

7 Surefire Savings Strategies to Follow in 2016

This is a guest post by Tina Roth, a financial blogger at ProFinance Blog. Check out her blog for some excellent financial information.  7 Surefire Saving Strategies to Follow in 2016 Surveys done on Americans have revealed that most of them lack the habit of saving. In a time when the economy is on the path of recovering, we should all learn how to lower spending and increase saving. In this article, I’ll discuss some useful tips, which can lower…

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