There’s a Crumb in the Oven!

Crumb in the OvenSome of you may have been wondering why I’ve been doing all the writing on Saving the Crumbs lately and why you haven’t heard much from Deb.  Well, actually there’s a good reason for that…

…it’s because we are expecting our first baby!

We are in the second trimester and the baby is due this summer. Fortunately, the nausea is getting much better now so the mere mention of food no longer causes a hurried dash to the bathroom.

But I know what you’re thinking…

So I suppose we might as well address the elephant in the room. [Read more…]

The Easiest Vegetable to Grow in Your Garden

Easiest Vegetable to GrowSpring is here in Tennessee and I just planted my first crop of the growing season. It’s the same thing I planted first each of the past few growing seasons, and I think it just might stay the first every growing season from now on! It’s one of my absolute favorite vegetables to grow, and I’m here to tell you why. Get ready to fall in love with the Sugar Snap Pea!

So why do I love sugar snap peas so much? To put it simply, it’s one of the most perfect crops to grow. Let me explain my top reasons why: [Read more…]

Your Emotions and Your Money

Emotions and MoneyOne of the funny things about money is that even though it is a lifeless, emotionless medium, it is one of the most effective means to stir up human emotions. Wars have been fought, lives have been lost, relationships have been ruptured all because of money. It’s a powerful force indeed, and the vast majority of its power is in affecting our feelings.  How seldom though, do we take time to evaluate just how money pushes those emotional hot buttons.  I’d like to do just that today.

Here are four common emotions surrounding money that I’ve thought of and some examples of the crazy ways they affect us: [Read more…]

Paying Off the House: Smart Move or Silly Mistake?

Pay Off HouseFor many people, a home is the largest purchase they will ever make, and nearly all homes are purchased with mortgages. But is paying off the home mortgage the smartest thing to do with our money? I know this is a subject of some debate within personal finance circles, and there are strong opinions on all sides. It basically boils down to two major viewpoints, so in this post I’d like to take a closer look at the debate and offer my two cents.

But first I need to clarify that I am specifically discussing our personal residences, and NOT investment properties. Rental properties may require a different approach altogether. I’m also NOT talking about the benefits of buying a house vs. renting. That’s also a discussion for another time. I am specifically addressing the question of whether or not it’s wise to pay off the mortgage for our primary home. [Read more…]

Personal Finance Software Solutions: Mint vs. Personal Capital

Mint vs Personal CapitalWe’ve written before about how keeping track of our spending is just the first step in winning the battle of our personal finances. We’ve talked about how living on a budget and controlling our spending is the next important step. Then we’ve also mentioned how our income isn’t what determines our wealth, but rather our net worth. But the excuse question many raise is that it’s so much work to keep track of all these things! Well today, I’d like to share two services that I’ve used that can take away all the headache and excuses for tracking your financial picture. The best part is that they’re both F-R-E-E. [Read more…]

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