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Sane Cents

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General Finance
debt, real estate, personal finance, credit cards, budgeting
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Idaho Falls, Idaho, United States
Life stage:
SINK (Single Income, No Kids)
Development Operations Engineer
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Latest Blog Posts

Debt is a scary thing. Unfortunately, many Americans don’t necessarily see it that way. Prior to my finance journey, I was in a similar boat. While I was never on the verge of filing for bankruptcy, I did have a mentality such that, “I can pay it off later.” As long as I didn’t have … + Read More The post 5 Money Moves to Keep You Out of Debt ...
Posted: Oct 13 2017 @ 11:05 PM
Much to the dismay of some financial advisors, credit cards are a tool, and, if used responsibly, can bring some pretty substantial perks. It’s when self-control and head knowledge take a backseat to impulse buying that they quickly become a downward spiral, which could take years to dig yourself out of. If your finances are … + Read More The post Why It’s Okay to Use a Credit Card for ...
Posted: Oct 10 2017 @ 9:40 PM
It’s no secret that paying off debt isn’t fun. Rather than spending our hard-earned paychecks to pay someone else, we’d rather be enjoying ourselves and spending our money how we would choose. The problem, however, is that you’ve already spent your paycheck — and then some. And now, unfortunately, that debt has come due and … + Read More The post 7 Steps to Stay Motivated While Paying Off Debt ...
Posted: Oct 07 2017 @ 11:24 PM
I’ll admit it. I’m stingy. I fear that as I age, I’ll be one of those geezers that reminisces of the “good ol’ days”, when gas was $1.50/gallon and cars were actually made well. Everywhere I turn, I’m shocked by rising prices on everyday common items. Not only on fuel or rent, but groceries as … + Read More The post 12 Ways to Save Money on Groceries appeared first ...
Posted: Oct 04 2017 @ 11:14 PM
When it comes to purchasing your first home, there’s a wealth of information out there on how to build your credit, available first time home-buying programs, how to reach out to lenders, and what kind of insurance you need. But when it comes to purchasing your second home, it’s a little more unclear. Housing prices … + Read More The post 5 Tips for Financing a Second Home appeared first ...
Posted: Oct 01 2017 @ 11:58 PM
Simply because you’re able to do something doesn’t mean that you necessarily should. Like jumping off a bridge, for example. Or getting a hand or face tattoo. Or possibly even maxing out your 401k. One of these does not match the others. Ha! While maxing out your 401k seems like a good idea (and it … + Read More The post Things to Consider Before Maxing Out Your 401k appeared ...
Posted: Sep 25 2017 @ 7:56 PM
While it’s now officially the Fall season, that doesn’t mean that you can’t vacation any longer. We’ve still got a good month or two left of decently warm weather, and we want to make sure we take advantage of every last ounce of sunshine we can possibly get our hands on. It’s time for a … + Read More The post How to Vacation for Cheap appeared first on Sane ...
Posted: Sep 24 2017 @ 2:54 PM
I wouldn’t consider myself an “audiobook junkie”, but on long road trips, I definitely find myself passing the time quicker by listening to something other than music. Recently, I traveled home, which brought with it an 8-hour drive. I got tired of music after only an hour or two, and so I tuned into Dave … + Read More The post 4 Ways I Disagree with Dave Ramsey appeared first ...
Posted: Sep 24 2017 @ 4:25 AM
I feel pretty confident when I say that there has been at least one time in all of our lives where we were looking for some extra spending cash. The nice thing about the digital age that we live in currently, is that there’s a plethora of ways to make money. Though not everything on … + Read More The post 26 Ways to Earn Extra Money (That Actually Work) ...
Posted: Sep 23 2017 @ 6:46 PM
“How much should I be saving?” I get asked this question more often than I thought I would, and it always seems to catch me off-guard. The simple answer is, “As much as you can.” Even an additional $10 or $20 a week into a savings account, over a number of years, has astounding impacts … + Read More The post How Much Money Should I Be Saving? appeared first ...
Posted: Sep 23 2017 @ 11:48 AM


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