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Congratulations Jenniffer our $10,000 winner!

 

Karl & Heather shannon hadley and phoebe this is a once in a lifetime opportunity to improve our lives and embrace financial discipline
It is Not Easy Being Green!
Karl and Heather
A wise frog once said, “It is not easy being green.” This week we are borrowing Kermit’s words and using them to describe our first month of managing a successful budget! Here’s how we got there…
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Picnic Points
Karl and Heather
Growing up in Texas, my mom had the same answer for any large family gathering involving food; “I’ll bring a congeal!” To this day, I will never say no to shredded carrots in orange Jell-O, however, it’s not a dish that we have at-the-ready in our house. Being the Wisconsin summer season of potlucks, picnics and holiday gatherings, our family of five alone is an abundant lot to feed. Fresh off Fourth of July in the North Woods, we have some crumbs-of-knowledge to pass along that saved us dollars and filled ~17 grumbling bellies per meal.
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Kid’s Activities
Karl and Heather
Growing up I had one baseball mitt, one soccer ball and a dog-chewed Nerf football…I think I had it pretty great. Name most sports/hobbies today however, and along with it comes an exhausting list of expenses: club soccer tournaments, hockey gear and practice ice time, dance competitions and outfits, horseback riding lessons, etc. We are no strangers to these financial demands, as two of our daughters (Shannon & Phoebe) are competitive ice skaters, and our third Hadley takes pottery lessons.
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“Hey, how much do you make?”
Karl and Heather
Heather and I have been married for 18 years, and still there are a few things where we don’t see eye-to-eye. This week however, while adding goals to MoneyMinder, we reached an agreement on the topic of income. We were raised in families where our parents never talked to us about their income, and instructed us that it was impolite to ask anyone else about theirs. Since we were both raised this way, we assumed it was the norm that everyone follows.
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Race Strategy
Karl and Heather
And we’re off! There were knocks and stride breaks, but clear of the gate we are transitioning into a pace. The future now entails a face full of dirt clumps, shiny distractions and the none-too-pleasant riding crop across our backside, but we are determined to remain focused.
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Even Odds
Karl and Heather
In our family, a year (especially in our daughters’ eyes) is defined through the MMSD calendar celebrations of winter break, spring break and summer break. However, for Heather and me, these events are times that can make or break our financial stability. Winter is our time to seek a balance between holiday wish lists and spending reality; spring the time to find the cheapest gas stations between Wisconsin and Florida; and summer…the celebration of the last day of school quickly followed by three months of a single income! (Heather is a 9-month-a-year teacher)
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