It seems like ever since my husband and I have been married, we’ve had a goal of getting $15,000 in what I like to call the “Oh crap, I lost my job” fund.  Every year I think we’re going to hit it and then every year we miss.  This past year we barely managed to [...]

Every year at the first of the year, I like to take some time to evaluate what happened financially the year before.  I use my finance software and make a spreadsheet of how much money we spent in each category each month.
It’s quite enlightening.  I was able to see that we’re much more likely to [...]