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Ms. Montana

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Montana Money Adventures
General Finance
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Flathead Valley, Montana, United States
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Latest Blog Posts

Cheap and Frugal are often used interchangeably, but I see them as vastly different ways of living and spending. One increases the size and quality of your life, the other makes life smaller and lonelier. How do we find more value in every area of our life? Is it EVER a good thing to be a Spendthrift? Let’s look at the assumptions that underpin all three, and see what the difference ...
Posted: May 23 2017 @ 11:21 AM
Whenever I hear people say, “We can afford it.” I feel a little nauseous. I break out in cold sweats. Everyone has a few pet peeves. This is mine. Perhaps this seems counterintuitive but let me explain. 1. If you can’t pay cash, you can’t really afford it Affording the payments isn’t the same thing as affording the item. Affording an item starts with having so much cash in your bank account ...
Posted: May 10 2017 @ 11:45 AM
At the lake, celebrating, and looking at Work Optional I needed April. The tulips coming up. The sunshine. The festivities of Easter. And weekends out of the house. One of my favorite things about being “Work Optional” is when a day with truly amazing weather comes along, we can drop everything and go enjoy it! After weeks of rain, we had the perfect Saturday in April. So we headed out to ...
Posted: May 08 2017 @ 10:56 AM
Personal finance has many facets. Earning money being one of those. As well as our personal growth, impact and contribution. This year I have grown this blog, and helped others leverage a blog to grow their business. I see 10 main ways that a blog might be a great idea in 3 areas. Your current business. Your personal life. Or an entrepreneurial pursuit. I’ll denote which one each of these reasons ...
Posted: May 03 2017 @ 11:25 AM
I’ve never actually run a marathon. I was almost kicked out of high school basketball because I refused to join the track team. (My hate for running is deep.) But today I feel like I am crossing the finish line of a fancy marathon. Breathing heavy, sweaty, and arms raised in adrenaline filled victory. I want to hug a stranger, cry and kiss my metal. People, today is my 1 ...
Posted: May 01 2017 @ 11:04 AM
It will make managing your own property almost too easy There are a number of things that people look for when trying to find tenants for their properties. High credit score, great referrals, enough income. All of those are important for sure. But that isn’t the most important for us. We have always managed our own properties. We have looked at one hidden quality that has saved us tons of ...
Posted: Apr 26 2017 @ 11:02 AM
A few years back I arrived home to find a wide-eyed 5 year old boy with big hazelnut eyes sitting in my living room. His social worker had dropped him off that morning. That afternoon was our first time meeting. A few months later his two little sisters came to live with us as well. A year later we unexpectedly found out we were expecting. Add in our oldest biological ...
Posted: Apr 24 2017 @ 10:33 AM
Sometimes I joke I am solar powered. Cold or warm weather doesn’t really matter much, I just want sunshine! But it’s been cloudy here lately. By lately, I mean the last 4 months. I’ve just been feeling…I don’t know…blah. This certain kind of blah is something that has been an ongoing part of my life for as long as I can remember. I’ve tried dozens of different ways to mitigate ...
Posted: Apr 19 2017 @ 11:03 AM
Maybe you read about how I was thinking about canceling my cell phone service. I calculated the value it provided me (about $10) vs the actual cost ($33). I ran into a great friend and MMA reader in our local coffee shop and was chatting about this. “So” he asked, “If you could get a cell phone plan for $9.99, then you would?” “Yup, that about sums it up!” I ...
Posted: Apr 17 2017 @ 10:55 AM
I’m hanging out over at 1500 days till Freedom today! I’d love for you to jump over and check it out. I’m talking about my philosophy of creating enough financial freedom to be able to customize your life. We haven’t amassed a ton of investments, but rather have pieced together enough income to give us flexibility. We can take off a few months, or a few years. We just take ...
Posted: Apr 12 2017 @ 10:08 AM


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