Buying a House is a Tough Decision! Reflecting on the Challenge of Missional Frugality

My wife and I were under contract to buy a house before we moved to Billings, but unfortunately (and fortunately) we were unable to negotiate terms with the roof and the deal fell through. As a result, we've been looking at a lot of houses. I'm guessing we've looked at 30ish houses over the last three weeks. Buying a house is a tough decision. To be completely honest, part of the … [Read more...]

The Hidden Benefits of Decluttering Your Home

As the New Year is in full swing, you may have made resolutions that include decluttering your home. This is one resolution that some allow to fall through the cracks, or if they do get to it, they wait until the annual ritual of Spring cleaning to get motivated (unless we are talking about disposing of unwanted Christmas gifts). Although this may be tempting, there are several reasons why … [Read more...]

Home Improvement and Repairs | 10 Ways to Save Money

Welcome to Money Saving Monday where we remind ourselves that community is the greatest money saving resource we have. Each month, you’ll have a chance to win one of two $15 Amazon gift cards. Simply leave your tips and suggestions, and if it is a top pick of the month, you’ll get a $15.00 gift card. By the way, with just a handful of comments each day, you’ve got a great opportunity to win … [Read more...]

6 Homemade Cleaning Products

Keeping your house clean for cheap can be difficult if you're always buying commercial cleaning products. These 6 homemade cleaning products use simple ingredients that have been proven to work over time. They're not always as effective as the commercial products, but they'll get the job done most of the time. All-Purpose Cleaner Ammonia has been used as an effective cleaner for years. It's … [Read more...]

Four Professionals You Should Contact When Buying a Home

The following post is by Darren from More Than Finances. Purchasing your dream home is a big investment with many variables. From finding your home, making an offer, getting financing, and closing the sale, professionals can protect your interests as you go through the process. Here are the four main people, along with a description of how they help you. Real Estate Agent This is the person … [Read more...]

Can You Afford Your Car Payments? Can You Afford the House?

One of the negative results of borrowing money and being upside down in debt is that there might come a time when you need to come face to face with some very tough decisions: Can I afford to keep the house? Can I afford to keep the car payments? The Danger of a High House or Car Payments I live in a place that gets a lot of rain.  With rain comes mud, and with mud comes slippery roads.  I’ve … [Read more...]

How To Pay Off A Mortgage Early

Once you’ve asked if you should pay off your mortgage early, it is time to ask, how can I pay off the mortgage early? This is the fun part. Let me start off by saying that you shouldn’t need to pay someone or buy a product to help you pay off the house early. Instead, simply send the bank extra payments to add to your principal whenever you have money to pay towards the debt. [pullquote]Make … [Read more...]