Living on Time with Your Credit Cards

Living on Time with Your Credit Cards

  We all know that the proper use of a credit card is to pay it in full every month to avoid paying interest, but even people who have that habit may be abusing their access to credit by slipping into a ‘buy now, pay later’ attitude. Even if you pay your credit cards off in full each pay period, if you are making purchases with money you expect to come in but haven’t received yet, … Read entire article »

Recent Posts

Big Wins, Small Wins, and the Payoff-to-Energy Ratio

December 15th, 2014 | 17 Comments

Big Wins, Small Wins, and the Payoff-to-Energy Ratio

  What matters more for your net worth, big wins or (lots of) small wins?   Big wins are those singular decisions or actions we can take that have a large impact on our net worth. They can even be the reason that we have a positive net worth at all!   Big wins can come on the income side of the net worth equation … Read entire article »

Make Hay While the Sun Shines

December 10th, 2014 | 22 Comments

Make Hay While the Sun Shines

In my funemployment, I have two desired approaches to my work, which have been in conflict in the last few weeks.   Approach 1: I work best in slow and steady increments. (I learned this while writing my preliminary exam document and confirmed it while writing my dissertation.) When I have a big project that feels overwhelming, it’s best for me to … Read entire article »

How I Developed an Interest in Personal Finance

December 8th, 2014 | 24 Comments

How I Developed an Interest in Personal Finance

I’ve received a bunch of awesome emails from readers in response to the introductory email that I’ve sent to everyone who signs up for EPF’s mailing list (top right sidebar! do it!). There are a LOT of awesome people in EPF’s readership who don’t even comment (and many who do)! Anyway, these emails have given me many new post ideas … Read entire article »

Awesome Comments and Posts 15Nov – 5Dec 2014

December 6th, 2014 | 8 Comments

Awesome Comments and Posts 15Nov – 5Dec 2014

It’s been three weeks since my last update but not a whole lot has gone on for us. Thanksgiving travel kind of dominated the period. Financial Peace University ended so I’m currently without a volunteering gig. Basketball season has been heating up – I’ve been to several games and we hosted one watch party. Kyle and I have had two … Read entire article »

November 2014 Money Puddle and Spending Report

December 5th, 2014 | 22 Comments

November 2014 Money Puddle and Spending Report

This was an INCREDIBLE month in terms of spending. I think it might be our highest spending month ever (post-wedding/honeymoon), or at least in the last couple years.   The big big spending outlay was that we finally bought a DSLR. We have desired this type of camera for a couple years and started saving for it 16 months ago. We no … Read entire article »

Funemployment Report: November 2014

December 3rd, 2014 | 12 Comments

Funemployment Report: November 2014

I finally feel like I accomplished something this month! I finished a deliverable: my personal finance for grad students presentation, which I gave on November 13. I said earlier that I thought Grad Student Finances was my passion project for the fall, but it turned out that this presentation was.   I’m noticing that my priorities at the end of a month … Read entire article »

We’re Evolving!: Our Next Transition

December 1st, 2014 | 29 Comments

We’re Evolving!: Our Next Transition

When we founded EPF in 2011, a major component of is purpose was to keep us financially honest during our several anticipated life transitions. Well, it took until 2014 for the first one to occur, but now we seem to be on a roll.   Transition #1: Kyle defended and became a postdoc in the same lab he did his PhD in. Essentially … Read entire article »

What Triggers Frugality: Net Worth or Income?

November 24th, 2014 | 38 Comments

What Triggers Frugality: Net Worth or Income?

My mindset toward frugality has changed quite a bit even during the few short years I’ve been blogging.     While I’ve never felt poor, Kyle and I used to be very careful with our money. I mean, we would still do a lot of things like travel domestically and pay for entertainment, but we would be very deliberate and tight in how we … Read entire article »

How to Invest without a Financial Advisor

November 20th, 2014 | 15 Comments

How to Invest without a Financial Advisor

I’m going to send out a short clip from the personal finance for grad students seminar that I gave last week in EPF’s November newsletter. If you’re interested in receiving it, please sign up today in the top right sidebar as the newsletter is scheduled to go out Friday morning!   The question “But how do you invest on your own?” was … Read entire article »