If you’re looking for a blog about personal finance, spreadsheets, frugality, and minimalism while living your life to the fullest then you’re in the right place. This is Every Cent Matters.
My name is Daniel — I’m a husband of three years and hold a degree in Business Finance.
The mission goal of this blog is to keep my Wife and I on a set budget to not only get ourselves out of debt but to be able to make a purchase on a home of our own. This blog is a tool for us to keep on track with our budgeting so we can meet our goal of purchasing a home. We’ll make mistakes along the way, but we’re planning on learning while we share our experience. Hopefully you’ll avoid our mistakes and give us ideas on how to be successful.
Living more with less
Most people don’t get too much enjoyment out of “stuff” so, we’ll focus on creating memories instead of collecting a ton of clutter. We’d like to become minimalists, collecting a bunch of things can be fun as a hobby, but it’s not essential to our lives. Creating memories together will be our main goal. Read: see Hamilton on Broadway.
Down payment on a home
As you’ve read the goal here is to become debt free. Saving money for a down payment on a house sees to be counter productive doesn’t it? That means we’re going to take on a massive amount of debt right? Right. Our journey is to get to the point where we’ll be able to “afford” a home, rather than rent and deal with landlords and getting a power outlet fixed 3 weeks later we can go to the hardware store, pick one up, turn off the power and install it in under an hour.
Quality of life
Since we don’t have any children, or pets staying home or being home to get children to school or doctor visits isn’t a requirement. We have the ability to pickup and take off when ever we’d like (as long as we let work know we’ll be leaving) and for the moment this is how we’d like it. My wife and I are still young and we want to adventure together before we settle down and buy a home. With these budgeting goals we will be able to afford to take trips without sinking deep in debt to finance them. I don’t know if you’ve checked your credit card balances lately but the interest rate they charge is astronomical if you don’t pay them off every month. We recently took a look at how much it cost us to service the debt and it equals a decent vacation every year, and we would rather have that vacation rather than give it to credit card companies.
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