D€bt & Cupcake$


Category: Debt (page 2 of 4)

3 Financial Fasting Challenges To Help You Become Debt Free

stop sign


Financial fasting or “no spend’ challenges are popping up all over social media.  From what I hear… all the cool kids are going days or even weeks without spending any money!  Whhaaattt??

Financial fasting isn’t a new concept.  If anything, the ridiculous spending habits we’ve developed have replaced the financially intelligent spending that our ancestors considered to be normal. Continue reading

Dave Ramsey’s Baby Steps and How to Make Them Perfect

Dave Ramsey's Baby Steps why they aren't perfect


Dave Ramsey’s Baby Steps are synonymous with debt freedom.  The popularity is both earned and warranted by Dave himself.

Mr. Ramsey has branded himself well and, to his credit, has helped millions get their financial shit in order.

I love the motivation he exudes, but I loathe the strict program he keeps his “fans” on.  Without options, most quit. Continue reading

50/30/20 Budget Plan Is Stealing Your Money

50/30/20 budget plan is stealing your money


The 50/30/20 budget plan is incredibly common.  You can’t search budget on Pinterest and not stumble upon a handful of pins touting its effectiveness.

If you blindly followed the masses you’d be swooned by the ease the 50/30/20 budget plan touts.  Does the fact it’s easy to use make it perfect? Continue reading

Budgeting For Beginners Made Quick And Easy

pink piggy bank


Who wants to talk about budgeting for beginners?!  (crowd boos)

Yea, yea… I know.  Budgeting gets a bad rap.  It didn’t do anything wrong… people just tend to associate budgeting with a life of misery and deprivation. Continue reading

New Year’s Money Resolutions That’ll Change Your Life

5 new years money resolutions that will change your life


As the clock strikes 12:00 on New Year’s Day, most people are swearing off carbs or giving up smoking.

New Year’s resolutions are made and given up at a blistering pace.  Finding someone who actually follows through on never eating a carb again is as rare as a real Sasquatch sighting.

Don’t give up carbs this year, give up poor financial habits!  Make New Year’s money resolutions this year! Continue reading

How To Quickly and Frugally Decorate Your Home!

white couch with pink pillow and white pillow


I remember how exciting it was when my wife and I bought our first home.  Walking into that old farm house was overwhelming.  How will we ever fill this place up?

As we moved in it became readily apparent that we didn’t have nearly enough time, money or furniture to fill this house.  The need to frugally decorate became our reality. Continue reading

10 Best Frugal New Years Eve Extravaganza Ideas

10 frugal new years eve party ideas


This post contains Amazon Affiliate links

Planning a frugal New Year’s Eve party can be stressful, but it doesn’t have to be!  The big day is rapidly approaching and your time to plan is diminishing… rapidly!

A frugal New Year’s Eve party is the best kept secret…even your friends coming to the party won’t know it’s a frugal extravaganza! Continue reading

Keeping Up With The Joneses Is Destroying Your Life

Keeping up with the joneses is a money disaster

Don’t forget to PIN this!

Recently at work, one of my coworkers approached me about her finances.  She started talking about how her husband’s 401k had been taking a beating.

I laughed and said “Yea”…we’ve been trying to not pay attention to the market because we recently started to invest a lot post tax and it sucks knowing you’re losing money temporarily.

Out of the blue, she comes back with, “How much do you invest each month, WAIT… that was rude.”  I literally laughed out loud and said, “No, no it’s ok… I actually love talking about this stuff”. Continue reading

How To Recover From Overspending This Christmas!

Ho, Ho, Holy shit!  Has Christmas shopping totally destroyed your budget?  For years and years, my wife and I would set a “limit” on our Christmas spending.

I put “limit” in quotes because neither one of us paid any attention to it.  I’d become obsessed with buying every possible item I thought she’d like. Continue reading

How To Become A Debt Slaying Super Robot


debt free super robot

So, you’re in debt… You want to get outta debt, but you don’t know where to start…

I hear you… I was once there a few years ago, and I felt hopeless.

What I came to learn was that getting out of debt isn’t really that hard.  Making the long lasting lifestyle changes is the real challenge.

If you’re serious about kicking debt to the curb, then you need to turn into a… (dramatic music)

Debt Slaying Super Robot from the Future Continue reading

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