Refinancing a mortgage, simply

pink_house_525

Written by Charlie Park of Pear Budget. Last week, Tsh shared her story of how to get a mortgage without a credit score. I loved her post, and am impressed by how intentional she and Kyle are about paying off their new mortgage. “But money’s tight!” You’re saying. “I don’t have any extra cash to [...]

We bought a house.

flowers

Something big quietly happened in our household last week. Remember a few months ago, I shared why we don’t play the credit card game? And that I know a big reason people reluctantly play the credit card game is because they want a good FICO score in order to buy a house? But that it [...]

On dams and water towers (Budgeting on an irregular income)

Water cascades down the front of the Croton Dam.

Written by money contributor Charlie Park of Pear Budget. Often, introductions to budgeting make it sound soooo simple: “What do you make each month? Divide it up. Boom! Done!” There are a number of flaws with that — you probably don’t know what you actually spend money on, you probably aren’t factoring in that dishwasher [...]

My $.02 on credit cards and the credit game

debit cards

On Friday, Crystal guest posted about a topic that in the four years of writing Simple Mom, I haven’t dared touch with a ten-foot pole: credit cards. But she was willing, and I love and share most of her sentiments, so I’m honored that she tackled the somewhat eggshell-walking topic. And after reading the many [...]

4 reasons I use cash instead of a credit card (& a giveaway!)

cash

Note from Tsh: Today’s guest post comes from my friend Crystal of Money Saving Mom. She and I have known each other since our “early days” of blogging, and it’s a treat to work and walk alongside someone else who thinks “weird” like me. I love her words here! People are often quite surprised to [...]

529s and ESAs — The Nitty-Gritty of Saving for College

A college graduate, celebrating.

Written by money contributor Charlie Park. A couple of years ago, I was reading an article about money and sending kids to college. “Blah blah blah,” it went (more or less), “and you should stick the money in a 529.” “Oh, man,” I remember thinking. “A ‘529’? What the heck is that?” I got really [...]

Don’t let the pumpkin spice lattes fool you

vintage christmas postcard

Ready to be freaked out? As of yesterday, there are 12 weeks until Christmas. Maybe that sounds far off to you, or maybe that’s sooner than you’d like. Either way, I know that for me, Christmas usually sneaks up on me when I’m not looking. Is it really December 25 every year? In the past, [...]