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By Couple of Sense

Sarah and Scott are personal finance bloggers and coaches. They have paid off debt, paid for a wedding in cash, bought a house, completed home renovations, gone back to school and handled everything else along the way without going into debt. They want to share how you can do that as well! When they aren't writing or talking about money you can find them at home, working on their home, in their veggie garden, binge watching some TV and snuggling with their cat.
Connect in real time on Twitter: @coupleofsense

The Best Way to Budget Is The Way That Works For you

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The Best Way to BudgetThere are lots of ways to budget. You can save a % for retirement and then spend the rest. Another way is to calculate your fixed expenses, including retirement, and then spend the rest. You can have a detailed budget (like us) with lots of categories and budgeting down to the dollar. You can even use an app to help you out. We all have a different ways of doing things. But here is the thing. Don’t listen to anyone telling you there is a “right” way of doing things. They are wrong. Read more

How We Are Planning For A Staycation

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Planning For A StaycationI will admit I’m not the best flyer. I guess I’m out of practice. From 2010 to 2013 I was on a plane 4 times, once a year on vacation including international flights. However the thought of heading into a closed space for 3-5 hours with a 1 year old is a bit stressful for us. Scott has vacation time to use and our daughter turns 1 next week so we thought why not hang around the city and take in the sights. So we are planning for a staycation this year.

In the past we have used time off for work around the house like the first part of the basement or our outdoor patio. Not this year. When we first started talking about time off a concern Scott brought up was that he wanted it to actually feel like a vacation instead of just hanging around the house all week. So we are trying to do as much as we can to make it feel like a vacation without flying anywhere.  Here is how we are planning for a staycation. Read more

Cost or Cost Per Year?

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Cost or Cost Per Year?

Big purchases usually mean big costs.  Being budget conscious doesn’t mean that we are cheap.  When it makes sense to do so we are willing to part with hard earned savings.  When I look at a big purchase, I typically will look at how much it is going to cost us right now.  Another way to look at it would be to identify how much use you will get for something and then figure out the cost per year.  This can be a measure of quality of goods, or an investment in eliminating future regret. Read more

Being Different Requires Determination

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Different Requires DeterminationOften I’m asked why I didn’t take my husband’s name or why my daughter has my last name. It was the right thing for us but it isn’t right for everyone. I don’t particularly feel like I need to answer questions about the details but when you do things that are different than most people or common societal norms people will question it. And question it.

Same goes for personal finance. When you are doing things different from traditional expectations you will probably get a lot of questions. Some will be tame, more curious than anything. And others will be aggressive and may cause you to become defensive. But sometimes people will probe and ask questions that might make you wonder if you are making the right choice. Truly being different requires determination. You know if you are cutting back there are times when the pressures from family, friends and even inside yourself can get to you and make you question your whole plan. It happens to all of us. Read more

Why It Is Important To Me For My Wife To Have Money In Her Own Name

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Last week Sarah wrote a post about why it is important to her to have money in her own name.  This post was not a surprise to me.   It also should be of no surprise that I embrace what she wants fully and completely.  If there is anything I can do to make the woman I love feel even a little bit more secure – I’m all for it.  Having an account that can be used to escape a bad situation is a great idea for all women.  Hiding it is not a good idea, but that may because we talk openly about money.  If there are already red flags in your relationship there may not be a choice but to keep it secret. Read more

Why I Need Money in My Own Name to Feel Safe

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Money in My Own Name to Feel SafeLast week on Twitter I said that women need to have their own money and credit cards in their name only. Lots of people were telling me that in the event of divorce assets would be split in half regardless of which name was on the account. That is unfortunate but not unsolvable. A prenup/postnup could be put in place to keep assets secure. But that wasn’t what I was talking about. I believe that women should have their own money so they are able to feel safe and have money that no one else can access should she need to leave the relationship quickly. Read more

Do You PF In Your PL? Giving Financial Advice to Friends, Family & Co-Workers

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Do You Provide Financial Advice to Friends, Family & Co-Workers?

As a personal finance blogger, and a part of the GPF (Greater Personal Finance) community I am surrounded by tidbits of advice on how to save more, spend less and achieve your financial goals.  Sarah and I have our own opinions on what “the best way to go” is. These opinions are deeply rooted in what works for us.  We acknowledge that what works for us, won’t necessarily work for other couples or singles.  Personal finance is part of my life, but it isn’t all that defines me.  A few close friends are aware that Sarah and I created this blog.  For the most part it remains separate from the rest of my life.  This is a personal choice that I have made for several reasons.

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Female Personal Finance Bloggers You Need to Be Reading

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female personal finance bloggersHappy Birthday to Us!

Yesterday was our 2 year blog anniversary. So much has changed in our life in the past 2 years. Between Scott’s job loss, reduction in pay, my promotion, baby Ava and my maternity leave we have been through a lot personally. But I don’t see much value in sharing about writing about the blog and how that has changed us. Instead I’m going to share with you the female personal finance bloggers that inspire me every day. Read more

Cheating on Your Financial Diet

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If you’ve ever been on a diet, especially one of those fad diets, you know all about cheat days.  These are the days where you deviate from your regular diet and eat pretty much whatever you want.  If you are really disciplined, you can have these moments where your choices aren’t the healthiest and then immediately revert to your plan.  Unfortunately this isn’t always the case and weeks or months of hard work can be erased.  It can happen fairly quickly with a weekend of going to town on junk food.  The same goes for a budget, which can be a sort of financial diet.  Just like a diet, there is a potential to cheat on it.

 

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Mistakes I Made In My Career

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Mistakes I Made In My CareerIn 2018 I celebrated 10 year at my company. Well not exactly, since I’m currently on maternity and not there at the moment, however it counts all the same. I have been thinking about what I accomplished in 10 years and what I have to look forward to in the future. I feel that I have been in the workforce long enough to dish out some advice to you. Regardless if you are just starting out or have been there for a while take a look at the list below and don’t make the same mistakes I made in my career. Read more