We Broke our Budget in 2018 (And Here’s How We Are Going to Fix it in 2019)

In 2018, we used our budget to guide us through three financially sound quarters and then one rough quarter. The first five months of 2018 entailed a ton of saving and downsizing as we prepared for life on the road. At one point, we were saving almost 40% of our income.

We then worked all summer in Swan Valley, Idaho. I took up my old job as a fly fishing guide. Becca worked as a front desk attendant for the lodge. She also worked as a remote accountant for the job she thought she was leaving in Houston.  Between those three gigs, we earned more than we originally estimated.

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Dry January: Looking Back

Dry January

February is finally here! We survived our first month living in the mountains in the winter time. And more importantly, we survived the annual Dry January. That’s right, we went the whole month without a drop of alcohol. Except for New Year’s Day and a wonderful wedding weekend in Austin, Texas. With the month come to a close, it felt like an appropriate time to share some thoughts on giving up the cooking sherry for a few weeks.

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Why I decided to confront my debt demons

“If you can love me for what I am, we shall be happier. If you cannot, I will still seek to deserve that you should. I must be myself” – Ralph Waldo Emerson

Debt keeps you from being yourself. Plain and simple.

Charades and how to play them

My financial journey began about 10 years ago when I decided to attend law school, incurring hundreds of thousands of dollars in debt in the process. I realized half way through that I would not enjoy practicing law, but thought I was in too deep to not graduate. Chasing “better” jobs took me from St. Louis to Houston, and then to Austin where I live now. I have practiced as a tax attorney for the past five years. All while knowing that line of work, and the lifestyle it encouraged, did not align with my goals or values. Continue reading “Why I decided to confront my debt demons”

My Personal Finance Journey

Get Your Head Out of the Sand! 

I have learned some hard money lessons over the years. I didn’t even know what personal finance was until I was 30!! From about 2009 until 2016, I basically lived paycheck to paycheck (or really government loan to government loan when I was in law school). Doing that sucks. And for seven years, I constantly had anxiety over how I was going to pay bills. I stuck my head in the sand regarding my finances and basically ran out of the room anytime people talked about money.

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