Avalanche or Snowball? Put Both on the Same Spreadsheet
I ran both payoff methods on the same debts because the internet argument was not helping me make a decision.
Latest from the blog
Money notes from my kitchen table
Practical articles about saving, spending, debt, work, and the conversations that hold a household together.
How I Made Compound Interest Visible at the Kitchen Table
My kids understood saving, but the idea that earnings could produce more earnings stayed hazy until we kept a small account together and watched every line change.
The Raise Rule: Decide Where the Money Goes Before Payday
The rule I wish I had used before my first bigger paycheck quietly became a more expensive month.
When Should You Stop Paying for Your Kids’ Activities?
A practical way to decide whether a lesson, team, or club is still earning its place in your family budget, and what to do when it isn’t.
The Grocery List That Starts With Your Fridge
The quick fridge check that finally stopped me from buying another jar of something we already had.
Your Emergency Fund Needs Three Floors, Not One Giant Goal
The three smaller savings targets I use instead of staring at one impossible number.
The $500 Breathing-Room Plan
The reset I use when the checking account is too close to empty and every purchase starts to feel loaded.