Archives For Money

By Eric on February 27, 2015 6

Plateau, boredom, stagnant, comfort… just a few of the words that are coming to mind as we enter the home stretch of our Whole30. I’ll talk about where we’re at with our budget in a minute, but for now, let’s talk feelings.

Favorite Whole30 BreakfastFavorite Whole30 Breakfast

There has been a looming event that has caused a lot of discussion between Kelsey and I over the past week. We knew about it before we started our Whole30, but talked ourselves into starting anyway because… if not now, when? That event is tomorrow… Rooney’s 3rd birthday party (Orange & Pink theme).

Our Whole30 will be complete after lunch on March 3(her birthday is March 2), but the party has been daunting to think about. Not only are we preparing a bunch of snacks, and food that we’re not able to eat ourselves, it’s just so close to the end that it seems it might be easier just to throw in the towel on day 28 rather than sticking it out for the Whole30 days (see what I did there?).

Continue Reading…

By Eric on February 17, 2015 5

Well… we’ve done it… We’re half way through our Whole30 and we’ve officially gone over-budget. We’re “OK” with this based on a few reasons.

  1. It’s an investment in our health.
  2. It’s only 30 days. (We don’t have to ever do this again)
  3. We may have overspent on buying meat in bulk.

Whole30 half way

Investment in our health

The education we’re getting in cooking at home, not eating out, grocery shopping, reading labels, etc. is priceless. We’re armed with more information about food, how our bodies react to food, and why we should stay away from ingredients we can’t pronounce.

Until a few years ago, I hadn’t given two thoughts about the food I was eating. Never. I just ate what I wanted, when I wanted. While I know now that getting started eating healthy can pretty much be a second job, it’s worth it.

I’m starting to feel the benefits of feeding my body nutritionally. Yesterday afternoon (day 11) I realized that I actually had energy at 2:30 in the afternoon. Previously, this would be where I hit a wall and wanted nothing more than to take a nap.

I can start to feel myself becoming more productive during the day as well as have mental focus and clarity. All things I hoped to gain from going through this 30 days of no ice cream Whole30.

Continue Reading…

By Eric on February 10, 2015 2


Budgeting is a beginner’s skill to achieving our personal finance goals. Budgeting is a necessary tool that helps us plan where we want our money to be spent, and allows us to evaluate our spending compared to our plan as the months and years go on.

It’s a fantastic tool, and I can’t imagine living without a budget. But, often times I think people give up on budgeting because it doesn’t show immediate results. It’s by no means a “get-rich-quick” process. It’s a discipline that must be invested into with time and thinking power to ensure you’re getting the most out of the budget.

There is no budgeting software that will answer the question you must answer before harnessing the power of budgeting in getting where you want to go.

How Bad Do You Want It?

What’s your level of commitment to accomplish what you set out to do (fill in the blank with your financial goals)? Without a zeroed in target, we’re likely to miss the mark every time.

Continue Reading…

By Eric on February 6, 2015 15

On Sunday evening we started our Whole30 that I talked briefly about here. In summary, it’s a 30 day program of no sugar or processed food. Which means three meals a day consisting of a palm sized portion of protein, filling the rest of my plate with vegetables, adding in some healthy fats (avocados, nuts, coconut oil, etc.), and if I’m still hungry, a small portion of fruit to top it all off.



Kelsey has agreed to join this adventure with me, and I’m happy to have the company. We’re already battling the sugar cravings and headaches as we attempt to slay the sugar dragon. Mine started on day 2 but have subsided since, and Kelsey’s are kicking in as of days 3 and 4 in the form of cookie dough fantasies, and longing for a bag of conversation hearts.

My hope in terms of results is far beyond outward visible changes. I’m not looking to lose weight, but my goals in completing the Whole30 are as follows:

  • Better, more restful sleep
  • More natural energy throughout the day
  • Clear mental focus
  • Increased productivity
  • Establish “better than before” eating habits
  • More family time in the kitchen and at the dinner table

I started this journey in a weird way. Kelsey bought the book “It Starts With Food“, and one evening I happened to pick it up, and couldn’t put it down. Most of the book is filled with the science behind the program, how our bodies react to certain foods, why we crave sugar, and what it does to our  minds and bodies.

On the one hand, I wanted to skip over most of the book and get to the Whole30 program (the rules, guidelines, and recipes), but on the other hand, the why behind it all was fascinating. I wore out my highlighter reading the book!

Continue Reading…

By Eric on February 3, 2015 5

There are a myriad of ways to make improvements to your budget. Some are easy, some are more intensive, but there are ways. Even if you’ve been budgeting for awhile and feel like you’ve squeezed your budget every which way, there’s likely something on this list that can help you improve your budget.

I wanted to create a very practical and actionable list for you to improve your budget, (even today) if you’re willing! Some things require making sacrifices, some are funner than others… Even if you pick one and do it today, you’re in a better position than you were before reading this post. My contribution to society… you’re welcome!

Happy budgeting!


1. If you haven’t already… start a budget

A budget is nothing more than a list of ways you plan to spend your money. If you do this on a regular basis and stick to your plan, you will start to gain control of your spending, and align your priorities. Keep it simple for your first go round and commit to fine tuning it as you go.

2. Budget Billing

Utility bills can fluctuate quite a bit from month to month. Most utility companies offer something called budget billing which takes your total yearly usage and divides it into one even monthly payment.

Each year they review your total expenses and make adjustments to that monthly payment. This helps the budgeting process greatly as you’ll have one static amount to budget for each month.

EXAMPLE: Instead of having a $100 gas bill one month and a $400 bill the next, you’ll have one number to plug into your budget month after month.

3. Sell Something… or a lot of Things

We spent one Saturday last year listing some things on our local for sale group on Facebook and made about $200. Some big items, some small, but regardless, we got rid of some stuff we no longer needed and brought in some cash at the same time.

You could also use Craigslist, or eBay depending on what you are selling, but I’ve found the for sale groups on Facebook to be the least time consuming and easiest process.

Continue Reading…