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Month: October 2016

I Have a Smart Phone

I Have a Smart Phone

So a few months back I wrote that I had never purchased a smart phone before. I provided a number of reasons for not getting one including not wanting to pay the cost, not being attached to my phone, and really just stubbornness. Moreover, I fully admit I am not a technological guru. I know how to use it and I can figure it out (I built this blog all by my lonesome…although it could use some improvements) but I just…

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Future Housing Repairs and Costs

Future Housing Repairs and Costs

Over the past month or so Mrs. ROB and I have been stricken with some bad news. Some of it was certainly very personal and also financial. I wrote about our little water leak and the mold that came with it. We also had to replace our refrigerator as well, which we actually got a deal on (only cost $1000 compared to the 1500 to 2k we were looking to spend). So over the past three weeks we have gotten a…

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Yours, Mine, and Ours Budget

Yours, Mine, and Ours Budget

One of the biggest problems in relationships is money. It causes some of the most stress and is certainly the biggest reason people cite for getting a divorce. This is especially true if two people who are in a relationship disagree about money. They say opposites attract and that is certainly true regarding money. It is not a surprise when a spender and a saver get together. It is not a surprise when you have, to use Dave Ramsey’s terms,…

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We Need to Talk to People About Student Loans

We Need to Talk to People About Student Loans

I have spent a good deal of time on this blog talking about our own struggle with student loans. I have talked about how I was an idiot for taking out the loans I did because I had my schooling paid for. I did it to finance my lifestyle instead of living bare bones like I should have. Because of that decision I am now paying for it. Next month will be my 10 year anniversary of paying back my…

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Miscarriages and Men

Miscarriages and Men

So based upon the title many of you can probably guess what this post is about. I hope you will forgive me in going to a bit of the personal and not a finance topic today. I am writing this with the full knowledge and permission of Mrs. ROB. It has been a tough few weeks for us and it is one of the reasons why I haven’t posted as much on this blog and really haven’t done any writing at…

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Debt Repayment, Third Quarter 2016 Update

Debt Repayment, Third Quarter 2016 Update

Over the past year I have tried to track my progress of paying off debt in quarterly updates. At the beginning of 2015 I had a total of $264000 in debt which included three primary debts: our mortgage, a personal loan, and my student loan. My goal for 2015 was to pay off 10% of my debt, which I was able to accomplish. I was also able to pay off a huge tax bill and our HEAT loan for 2015….

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Let’s Talk About Peer to Peer Lending

Let’s Talk About Peer to Peer Lending

All of us have watched commercials for different banks over the years. They promise to provide friendly service, quick answers to your problems, and a loan for anything that you need. Banks, also at one time, provided certificates of deposit (CDs) and savings accounts that paid 5-10% per year. A lot of older people, including my grandparents, put a lot of their money in these entities and lived off of the interest for their retirement. Unfortunately, those days are gone….

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More Housing Blues

More Housing Blues

This week has been one of the toughest for me personally in a long time. Don’t worry Mrs. ROB and I are fine in our relationship. There are no problems there. And I may share what has been going on, but I still need to process some things and deal with others. However, to add onto our personal travails our house is again costing us money. Some of you will remember my posts about our dishwasher debacle. I sometimes think…

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