We’re engaged, should we buy a house now?

February 20, 2013

John Doe writes in… Ninja! I read your blog everyday, it’s awesome! I recommend it to everyone I talk to… My fiancé and I have been together for 6 years and recently became engaged. We have lived together the last 3 years. We are really interested in buying a house. We are getting married in [...]

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Let’s get to know each other.

February 18, 2013

Get excited y’all cause it’s time we participate in another “get to know each other” exercise today. You remember those pesky elementary school quizzes where your teacher would give you a sentence that had a blank space in the middle of it? You were suppose to pick which word best fit in the blank space [...]

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I’m so edgy.

February 14, 2013

I was driving home last night and, out of nowhere, had an amazing idea pop in to my brain. Crazy how things like that just happen out of the blue. Anywhoozle, You know how guys grow mustaches out in November, often calling it Movember or No Shave November? Well, what if Girl Ninja and I [...]

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Another look at savings vs paying down debt

February 12, 2013

I love getting mail from PDITF readers. It makes me feel like I’m important, even though I’m really not. Well, it’s time we help another Debt Puncher out and share our two cents on his situation. His email says… I just paid off the first of my 9 (yes…credit+retail) cards. It’s a huge achievement. I’m [...]

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Are you sure you love your kids?

February 10, 2013

Let’s face it, college ain’t cheap. I escaped with only $28,000 of debt. Many of my peers faced six figure balances upon graduation. Yikes. I loved my private education, and am extremely happy I was able to go to the college I wanted to, as opposed to the cheapest or closest one. Obviously I try my best to [...]

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The Mortgage Interest Deduction Farce

February 7, 2013

“Buy a house” they said. “You’ll be able to deduct the mortgage interest” they said. Probably one of the greatest lies ever told, and possibly a lie you believed. This is how many prospective homeowners think about things: Buy a house. Pay mortgage interest. Deduct said mortgage interest from taxes. Convince yourself this is an [...]

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Keeping up with the Joneses like a boss.

February 5, 2013

My next paycheck will be a bit larger than the last.  I’ll be getting a slight raise, about $2,500 more per year. While I’m stoked to be getting any raise at all, let’s be real, it’s not a life changing amount. In fact, it only works out to about a $75 net gain each paycheck. [...]

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