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Blogger Profile


Kevin & Erin

Blog Info

Name:
Debt Free Happens
Category:
Debt
Tags:
Budgeting, Debt Pay Off, Saving
Start Year:
2017

Blogger Bio

Location:
Phoenix, Arizona, United States
Age:
30s
Race:
White
Gender:
Team
Life stage:
SIK (Single Income, Kids)
Profession:
Architect
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Latest Blog Posts

For the month of November, we are going to focus on something different.  It is all about personal development still, but instead of focusing on our habits, we are going to focus on personal projects.  This is where better habits will help us be productive so it would be nice to see a return on investment for these past efforts. Erin and I will each be doing something different this ...
Posted: Nov 01 2017 @ 9:00 AM
This month we are focusing on structuring our financial responsibilities to better accommodate the difficulties of having a newborn and toddler.  We are still adjusting to having a second child so things have been quiet around DebtFreeHappens lately but that doesn’t mean that we should ignore our financial responsibilities.  It means that we need to find ways to focus on what is important so that we can quickly get back ...
Posted: Oct 09 2017 @ 9:00 AM
This month we are focusing on structuring our financial responsibilities to better accommodate the difficulties of having a newborn and toddler.  We are still adjusting to having a second child so things have been quiet around DebtFreeHappens lately but that doesn’t mean that we should ignore our financial responsibilities.  It means that we need to find ways to focus on what is important so that we can quickly get back ...
Posted: Oct 09 2017 @ 9:00 AM
I love to analyze things and enjoy looking at the math behind different concepts.  While I find it interesting I also find it exhausting and I also find the idea that everything needs to be optimized exhausting. This is in response to the endless arguments in personal finance.  These arguments include budgets and whether they are needed, the debt snowball vs. the debt avalanche methods, mutual funds or index funds, paying ...
Posted: Sep 22 2017 @ 8:09 PM
Our personal challenge for August was simply for me to get to work earlier.  Reading through the article I specifically said “earlier,” but internally, I wanted to get there at 8:00 AM most days.  I didn’t state it because I knew it was going to be a tough task but figured that I would get there at 8:00 most days. Erin was not a part of this since she doesn’t work ...
Posted: Sep 11 2017 @ 8:20 AM
This month is a unique month for us as we await the coming of our second child.  Due to the change that we are about to experience we are wanting to do a more financially focused goal rather than one focused on schedule or habits since our schedule will be all over the place once the baby comes.  With that, our goal for September is to save the extra paycheck ...
Posted: Sep 07 2017 @ 1:21 AM
This is probably super boring for most of you but if you are reading this you must have some interest, no pun intended (OK maybe), in understanding how the interest you are being charged is calculated.  When we started paying down our debt it was important for me to understand the effect of our interest rates on our loans and it was eye opening. Before we get started let’s review the ...
Posted: Aug 20 2017 @ 11:53 PM
We were recently on the Breaking Student Debt Podcast sharing our story of paying off $107K in 33 months.  I fully recommend you check it out and other episodes of this great Podcast.  The host is currently working to pay off his $160K loans which might resonate for those looking to find others currently working to pay off their debt. Click here to listen to the episode. This interview differs from past ...
Posted: Aug 18 2017 @ 1:15 AM
One of the critical mindsets that one develops when making strides in their personal finances is the ability to draw the line and not go past it.  This ability to just say no is where your written plan/budget becomes real and is reflected by your personal behavior.  When you draw the line and stick to it you start to see real progress. When you’re ‘sick and tired of being sick and ...
Posted: Aug 13 2017 @ 5:59 PM
Americans now have the highest amount of revolving credit card debt in US history.  This is horrible news for our present and future.  While consumer spending helps keep the economy moving this amount of credit card debt takes a toll on each person who is stuck in its grips.  Credit card debt has a high amount of interest charged to it which only keeps people stuck in the cycle of ...
Posted: Aug 09 2017 @ 12:09 AM

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