I Used My Emergency Fund, and I Liked It

I used my emergency fund, and I liked it.  More precisely, we found an issue with our two-story foyer window. When we replaced our front door (for the second time!), we had the bottom of the foyer window resealed with an epoxy thanks to an excellent observation from a new contractor. While that surely saved … [Read more…]

Teacher Talk: A Few Thoughts on Starting Year 15 in the Classroom

I started my 15th year of teaching. For a decade and a half, I’ve been writing and reading alongside middle schoolers. It’s hard to believe. So hard, in fact, that I actually wrote out every year I taught, counted and recounted, just to really check.  Then I spent some time thinking about all the things … [Read more…]

5 Money Lessons My Newly-Minted Five Year Old Knows

We just celebrated our son’s fifth birthday–a whole hand! While we are just getting the ball rolling on many financial things, like a formal weekly allowance, there are a few big money lessons he’s already learned. Money is for Spending and Saving I have to be honest! We were a little worried about this first … [Read more…]

Why An Un-Frugal First Birthday Was Just What We Needed

Let’s cut to the chase: we spent more than we needed to on our daughter’s first birthday. Way more. But the other truth is that we spent exactly as much as we wanted. Let me explain. For years, I’ve focused on living frugally. (I even won an award for it back in the day!) Frugality … [Read more…]

I’m 36 and We’re Mortgage Free!

No sense in burying the lede: A few days before my 36th birthday, our lender cleared our mortgage payoff check! The longer post recapping the why and the how will happen at some point, but for now, I simply want to celebrate. Not just what we did, but how far we’ve come. How Far We’ve … [Read more…]

FinLit for Kids: M is for Money

M is for money, B is for book, and GW is for generational wealth! There are so many different ways that I want to grow generational wealth. Some of that wealth absolutely involves my husband and I putting in the work to build up assets we plan to pass along. But another big piece of … [Read more…]

Should We Pause Our Mortgage Payoff?

In less than three months, we will pay off our mortgage. Twenty years early. This has been the moment I’ve been dreaming of for as long as I’ve been a blogger Or at least for as long as I’ve been a blogger who realized her mortgage was actually debt. Oof. Why, then, am I not … [Read more…]

A Busted Budget: Of Medicine & Masks

I must confess something. How long as I’ve gotten away from blogging (hello again!) is nothing compared to how long I’ve gotten away from budgeting. Over a year ago, I got pregnant and I got walloped with morning sickness…again. My second pregnancy was not a charm. Everything felt like too much. Layer on a pandemic … [Read more…]